Ham Casserole

Ingredients

• 1/2 stick margarine, cut into small cubes
• 3 lb. ham, sliced or cut from ham bone (you can use pieces)
• 8 c. potato slices (1/2-inch thick)
• 1 lb. carrots, sliced in 4-inch halves
• 2 large onions
• 2 cans cream of mushroom soup, mixed with 1 soup can milk
• 1 1/2 c. grated cheese
• 2 to 4 Tbsp. oil
• 1/4 to 1/2 tsp. garlic powder (however you like it)
• salt and pepper to taste