Cheesy Refried Bean Dip

INGREDIENTS

1 lb

dry pinto beans

2 qt

water

2 tbsp

butter

2 tbsp

lard ((or 2 additional Tbsp butter))

1 tsp

salt (, or to taste)

1 1/2 tsp

chili powder

2 tsp

onion powder

3/4 tsp

garlic powder

1/4 tsp

ground cumin

1/4 tsp

paprika

1/4 tsp

freshly ground black pepper

1/2 cup

shredded Cheddar Cheese ((plus more if desired))

1/2 cup

shredded Monterray Jack Cheese ((or an additional 1/2 cup Cheddar))