Brown ground beef in oil, add Chilio Mix, pinto bean liquid, tomatoes and pinto beans. Mix well. Cook until well Blended, but not real dry. Place in 3 quart casserole dish, in layers: alternating meat mixture and cheese, ending with cheese. Bake 350 degrees for 30 to 45 minutes or until cheese is well melted.

This is really good in  the winter time and all you need to go with it is a pan of cornbread and a salad.