11. Preheat oven to 350°F. Prepare a 9x5 inch loaf pan with non-stick spray.
22. Combine ground beef, breadcrumbs, eggs, milk, minced onion, Worcestershire sauce, salt, and pepper in a large mixing bowl. Mix gently with hands until just combined - overmixing creates tough meatloaf.
33. Transfer mixture to prepared loaf pan, shaping into a compact rectangular loaf. Smooth top with spatula.
44. Spread ketchup evenly across the top of the meatloaf, creating a glossy coating.
55. Bake uncovered for 55-65 minutes, until internal temperature reaches 160°F.
66. Let rest 10 minutes before slicing to allow juices to redistribute.