1 lb. ground beef
1 med. onion, chopped
1 tsp. seasoned salt
1 tsp. cumin
1 (16 oz.) can refried beans
1/2 pkg. taco seasonings
2 to 3 c. shredded Monterey Jack cheese
1 (4 oz.) can chopped green chili (mild)
1 1/2 to 3 c. shredded Cheddar cheese
1 (12 oz.) bottle salsa sauce

Use 13 x 9 inch pan. Brown beef and onion with salt and cumin. Layer in order of recipe. Bake 400 degrees for 25 minutes covered with foil. Serve with nacho chips.