Put crackers on the bottom of a 9×13 in baking dish. Top with rice.
In a skillet, cook beef and onion until meat is no longer pink; drain.
Add tomato juice, water, seasonings, simmer for 15-20 minutes. Spoon over rice
Sprinkle with lettuce and tomatoes.
In a saucepan melt butter. Stir in flour until smooth. Gradually add milk stirring as you add it. Bring to a boil; cook and stir for 2 minutes, reduce heat; sir in American cheese until melted. Pour over tomatoes.
Top with cheddar cheese and olives.
Serve with tortilla chips.
