• 1 lb. lean ground beef
• 1 large onion, chopped
• 1 tsp. seasoned salt
• 1/2 tsp. ground cumin
• 2 cans (16 oz. each) refried beans
• 1 pkg.(1-1/4 oz.) taco seasoning mix
• 2 cups shredded Monterey Jack cheese
• 1 cup sour cream
• 1 cup chunky taco sauce - mild, medium or hot
• 1 cup shredded Cheddar cheese
• 1 can (4 oz.) green chiles, sliced
• optional - 1 cup guacamole and/or 1 cup sliced black olives
• tortilla chips

Preparation -
In a large skillet, brown the ground beef and onions. Drain well, then add the seasoned salt and cumin; stir and set aside. Combine the refried beans and taco seasoning mix; mix well. Add the Monterey Jack cheese and mix well. Spread the bean mixture in a shallow oblong or oval baking dish, about 10" x 15", or in a large round shallow baking dish. Cover with the ground beef/onion mixture. Spread the chunky taco sauce over the beef. Top with the Cheddar cheese. Scatter green chilies and black olives, if using, over the cheese.(At this point, this recipe may be made ahead and refrigerated until party time, but do not freeze.) Bake in a preheated oven, uncovered, at 400º for 20 to 25 minutes or until thoroughly heated through. Place the baking dish in the center of a large tray, surrounded by a generous supply of tortilla chips. Serve with sour cream and/or guacamole on the side.

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