American
Preheat the oven to 190C and soak the breadcrumbs in the milk for a few minutes.
Combine the ground beef, soaked breadcrumbs, eggs, chopped onion, minced garlic, Worcestershire sauce, salt and pepper in a large bowl.
Mix gently with your hands until just combined, taking care not to overwork the meat.
Press the mixture into a loaf pan or shape it into a loaf on a lined baking sheet.
Brush the top generously with ketchup.
Bake for about 55 to 60 minutes, until cooked through and the internal temperature reaches 70C.
Rest the meatloaf for 10 minutes, then slice and serve.