1 lb. browned and seasoned hamburger
1 pkg. taco seasoning
1 tsp. seasoned salt
1 lg. chopped onion
1/2 tsp. ground cumin
2 (1 lb.) cans refried beans
3 c. mixed, shredded Cheddar and Jack cheese
2 cans (1 hot and 1 mild) taco sauce
2 c. sour cream
1 bunch chopped green onions
1 or 2 lg. fresh, chopped tomatoes

Brown meat and onions, drain. Save green onions for garnish. Add taco seasoning, using package instructions. Spread refried beans in ovenproof dish. Top with meat and drizzle remaining sauce on top. Chill. Bake at 400 degrees for 25-30 minutes. Remove from oven. Garnish with chopped green onions and tomatoes. Tuck chips around outside. Also may use guacamole and/or ripe olives to garnish.