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In a skillet over medium high heat melt tablespoon of butter
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add beef to skillet and cook until brown
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drain away fat
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mix in taco seasoning and pepper flakes stir until combined
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add onions, bell pepper, and garlic to beef and cook for three minutes stirring occasionally
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reduce heat
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add tomatoes and chilis, black beans, kidney beans, half of the cheese stirring until cheese is melted
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cover and allow to simmer for 10 minutes, stirring occasionally
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serve over tortilla chips and lettuce, garnish