Summertime Haystacks

Ingredients

• 1 cup crushed saltine crackers, about 20 crackers
• 2 cups shredded lettuce
• 2 medium tomatoes, diced
• 1 medium onion, chopped
• 1 cup cooked rice
• 1 1/2 lbs ground beef, browned and drained
• 3/4 cup tomato juice
• 1/4 cup water, plus
• 2 tablespoons water
• 1 1/2 tablespoons taco seasoning mix
• salt and pepper
• 1/4 cup butter, melted
• 1/4 cup all-purpose flour
• 2 cups milk
• 1/2 lb Velveeta cheese, cubed
• 1 1/2 cups shredded sharp cheddar cheese
• 5 ounces jars sliced stuffed olives