Frijoles Refritos (Refried Beans)

Yield:	6 Servings
Categories:

2	c	Dried pinto or red kidney beans
2	md	Onions; finely chopped
2		Cloves garlic; chopped
1		Bay leaf
2		Or more serrano peppers; chopped (optional)
3	tb	Lard or salad oil
		Salt and freshly ground pepper, to taste
		Extra lard; (optional)