INGREDIENTS
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1 pound ground beef
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1 onion, chopped
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2 cloves garlic, chopped
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1 4-ounce can diced green chilies
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1 packet taco seasoning
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1 can refried beans
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1 loaf French bread, cut in half lengthwise, then each half cut into thirds (six slices total)
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2 cups shredded cheddar or Monterey jack cheese
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Diced tomato, lettuce and sour cream for serving, if desired