- Preheat oven to 350 degrees 
- Combine ground beef, ground chuck, milk, Worcestershire sauce, salt, dry mustard, pepper, minced garlic, eggs, & bread crumbs/panko in a large mixing bowl. 
- Work together with your hands until completely combined – but don’t over-work the meat. 
- Spray a 9x5x3 loaf pan with olive oil or cooking spray. 
- Transfer the meat mixture to the pan & pat down so it’s smooth on top. 
- Add the ketchup to the top & spread evenly with a spatula. 
- Bake uncovered for 60-75 minutes or until internal temperature reaches 160 degrees.