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I generally brown the beef with a little seasoning and let it cool. Spread the chips on a baking tray, sprinkle the beef on top with tomatoes and chilli peppers, cheese and freshly ground black pepper on top, then stick under a grill until the cheese is bubbly and melty. Salsa, sour cream on the side (I've never tried refried beans).
That's how I do it anyway.
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