1 lb. ground beef
3 garlic cloves, pressed
1/2 c. onion, chopped
1 sm. can med. hot chilies
3 tbsp. mild salsa
1 tbsp. chili powder
1/2 tsp. cumin
Salt and pepper to taste
1 c. Cheddar cheese, shredded
1 c. refried beans
1 (9 inch) baked pie shell