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1 pound Ground beef
1/2 cup Onion -- chopped
1 teaspoon Seasoned salt -- optional
1/2 teaspoon Cumin
2 cans Refried beans
1 package Taco seasoning mix
2 cups Monterey Jack Cheese -- grated
1/4 cup Green chiles -- diced
1 cup Cheddar cheese -- grated
2/3 cup Salsa
Tortilla chips
1 cup Guacamole seasoning -- optional
1/2 cup Sour cream -- optional
1/4 cup Chopped green onions -- optional
1 cup Sliced olives -- optional

1. Heat skillet at med-hi temperature; brown meat and onions.
2. Drain well in colander removing all grease.
3. Return meat and onions to skillet add cumin and mix well.
4. In a large mixing bowl, combine refried beans and taco seasoning mix; blend well.
5. Add grated M. Jack cheese to bean mixture; mix together.
6. Spread refried beans in shallow rectangular 9 x 13 pan.
7. cover bean mixture with browned meat and onions.
8. Sprinkle chiles evenly over meat. Top with grated chedder cheese. 9. Pour salsa over cheese.(May be made ahead and refrigerated at this point~DO NOT FREEZE!)
10. Bake uncovered in 400 degrees oven for 20 to 25 minutes or until thoroughly heated.
11. Place tortilla chips around edge of meat/beans dish and garnish as desired.

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