Step 1

Heat a medium skillet on medium-high heat and add ground beef, chili powder, cumin and salt. Cook until beef is done, stirring frequently, about 10 minutes. Remove from heat.

Step 2

Preheat oven to 425 F.

Step 3

Arrange a scant layer of chips on a roasting pan or 9 x 13 dish. Sprinkle half the beef mixture and cheese on chips.

Step 4

Arrange a second layer of chips on pan. Sprinkle the rest of the beef on chips.

Step 5

Add beans, tomato, jalapeños and peppers on top of chips. Cover with remaining cheese.

Step 6

Bake for 5 minutes, or until cheese is just melted.

Step 7

Remove from oven. Optionally scatter scallions over nachos, and serve with salsa and yogurt or sour cream.