Festive Bean Dip - cooking recipe

Ingredients

1/2 tsp. garlic powder
1/2 tsp. cumin
1/4 c. margarine
2 small or 1 large can refried beans
1 lb. hamburger
1 pkg. taco seasoning
2 c. grated cheese
chopped lettuce
chopped tomato
chopped onion, if desired
sour cream
salsa
tortilla chips/corn chips

Preparation

Warm and soften refried beans in pan with margarine and spices.
Spread in 9 x 11-inch pan.
Brown meat; add taco seasoning as directed. Layer meat mixture on top of refried beans. Sprinkle grated cheese on top of meat.
Place in oven until cheese just melts.
Remove.
Layer sour cream, salsa, lettuce and tomato over top.
Serve with tortilla chips.
(I like to stick the chips right into the dip.)