In 4-quart saucepan or dutch oven, cook and stir ground beef and onion until beef is no longer pink, drain. Add 3 cups water, tomatoes, beans, picante sauce and cumin. Bring mixture to a boil. Meanwhile, in small bowl, blend gravy mix with 1/2 cup cool water; pour gravy mix into boiling mixture. Stir well, reduce heat and simmer 10 minutes. Top with cheese and serve. Makes 8 to 10 servings.
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