Ingredients:

1 lb lean ground beef (I used a 90/10 lean meat to fat ratio)
1/3 cup chopped onions
1 tsp chili powder
1/2 tsp onion powder
1/2 tsp garlic powder
1/4 tsp ground cumin
1/2 tsp salt
1/4 tsp black pepper
8 oz sharp cheddar cheese
2 cups pintos beans (optional)
1 TBSP lard (for refried beans)
8 large burrito sized flour tortillas oil for frying

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