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1. In medium bowl slightly mash beans; set aside. In medium saucepan cook onion and garlic in hot oil until onion is tender. Stir in beans, tomato, picante sauce, chili powder, cumin, and red pepper. Heat through.
2. Stir in cheese until melted; remove from heat. Stir in cilantro and lime juice. Serve warm with tortilla or pita chips. Makes about 2 cups (32, 1-tablespoon servings).