after browning a lb of hamburger, drain the grease, add on T chili pwdr, 1 tsp cumin, 3/4 c hot taco sauce & one 16 oz can of refried beans. put the hot mixture in the bottom of a 9X13 casserole dish. top that w/one 16 oz container of sour cream. on top of that add 3/4 c chopped onions, 3/4 c chopped tomatoes, 3/4 c sliced olives & 3/4 c sliced jalapenos. bake at 350 for 30 mins. turned out great. couldn't have done better in a restaurant. 1st time i ever tried it.