Instructions: Heat oil in a skillet, add the onion, green pepper, and garlic, and cook gently, stirring occasionally, for 5 minutes or until soft but not browned.

Add the tomatoes and chili and cook over medium heat for 5 minutes, or until most of the liquid has evaporated.

Stir in the chili powder and paprika and cook for 3 minutes, then add the refried beans, breaking them up with a fork. Add the measured water and cook, stirring occasionally, for 8-10 minutes, until the mixture thickens.

Spoon the beans into the middle of a baking dish, arrange the tortilla chips around the edge and sprinkle with cumin. Sprinkle the cheese over the beans and tortilla chips.

Bake at 400 degrees for 15-20 minutes, until the cheese has melted.

Sprinkle the paprika for garnish in a lattice pattern on top and serve immediately.

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.