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1. Heat the oven to 375 degreesn.
2. In a bowl combine the sour cream and the chili powder.
3. Cook the cumin, cayenne pepper, onions and garlic in the oil for 3 minutes.
4. Add the beans and cook for another 3 minutes.
5. Add the cilantro.
6. Fill the chips with the mixture.
7. Top with the cheese and make for 1 minute.
8. Top with the salsa and sour cream mixture.
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