1 lb. ground beef
1/2 c. chopped onion
1/4 c. chopped green pepper
1 garlic clove, minced
1 tsp. salt
1 tbsp. chili powder
1/2 tsp. ground cumin
2 tbsp. ketchup
1 (16 oz.) can refried beans
Liquid hot pepper seasoning to taste
2 oz. sharp natural cheddar cheese, grated (about 1/2 c.)
Slice stuffed olives, optional
Ritz crackers

Brown beef with next 3 ingredients; drain excess fat. Add next 4 ingredients. Mash in beans. Garnish with cheese and, if desired, sliced olives. Serve warm with Ritz crackers. Makes about 3 1/2 cups spread.