"Very easy and my family loves it...."
INGREDIENTS
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1 (16 ounce) can refried beans
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2 teaspoons chili powder
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1/2 teaspoon ground cumin
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8 (8 inch) flour tortillas
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8 ounces chunky salsa
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2 (4 ounce) cartons guacamole
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1 (8 ounce) package shredded Mexican blend cheese