1 lb Ground beef
1/2 c  Onion; chopped
1 ts Seasoned salt; optional
1/2 ts Cumin
2 cn Refried beans
1 pk Taco seasoning mix
2 c  Monterey Jack Cheese; grated
1/4 c  Green chiles; diced
1 c  Cheddar cheese; grated
2/3 c  Salsa
Tortilla chips
1 c  Guacamole seasoning;
-optional
1/2 c  Sour cream; optional
1/4 c  Chopped green onions;
-optional
1 c  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.