* See Recipe # 4 this file. ~- Heat the lard in a 10-inch skillet over medium heat until hot. Add the pinto beans and cook for 5 minutes, stirring occasionally. Mash the beans then stir in the remaining ingredients. Add oil to the skillet if necessary then cook and stir until a smooth paste forms, about 4 minutes. Garnish with shredded cheese, if desired and serve,