HEAT LARD IN A SKILLET, OVER A MEDIUM FLAME ADD THE ONIONS AND GARLIC HEAT AND STIR FOR 4-5 MINUTES, UNTIL SOFTENED, WITHOUT BROWNING ADD THE BEEF AND PORK, HEAT AND STIR UNTIL ALL REDNESS DISAPPEARS ADD THE TOMATOES, TOMATO PASTE, OREGANO, CUMIN, BAY LEAF, AND BEANS BRING TO A BOIL, REDUCE HEAT, COVER, AND SIMMER FOR 2 HOURS REMOVE COVER AND SI MMER FOR ANOTHER 1-2 HOURS TO THE DESIRED CONSISTENCY REMOVE FROM HEAT SERVE HOT, GARNISHED WITH GRATED CHEESE AND SCALLIONS