Rachel Ray's Super Nachos

These are the best homemade cheese sauce nachos we have ever had, and they get a 9 around here.  I found the recipe at foodnetwork.com, and here is the original.  I made a few changes, so I will post the recipe the way I made it.  Each serving was 620, and we had 10 servings.

1 1/2 bags tortillas chips

Pico De Gallo

1 lb ground beef
2 cloves garlic, minced
1 onion, chopped
1/2 jalapeno, seeded and chopped
1 t salt
1 1/2 t chili powder
1 1/2 t cumin
1/4-1/2 t cayenne pepper
1 15 oz can black beans, drained and rinsed

2 T butter
2 T flour
2 c milk
1 lb pepper jack and cheddar cheese mixture (I used mostly pepper jack)

Toppings to taste

Brown the beef over medium heat, then add in the onion, garlic, and seasonings.  Cook until beef is completely browned, then add in the black beans.  Turn the heat to low while you make the cheese sauce.  Melt the butter, then whisk in the flour, then whisk in the milk.  Add in the cheese slowly, then stir until all the cheese is melted.  Serve.