1. Preheat oven to 375°F.

2. Add all ingredients to ground beef or turkey and mix well.

3. Shape into loaf in a shallow baking pan or loaf pan. Coat with ketchup if desired.

4. Bake uncovered for 1 hour or until the internal temperature reaches 165°F.

5. Dribble ketchup on top to taste. Remove from the oven and let stand for 10 minutes before serving.