Instructions: 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.

If you would like to email yourself the recipe for later use, or share the recipe with your friends or family, enter the email addresses below and this recipe will be emailed to you and others as well.