Cook potatoes (salt the water once it comes to a boil) once they are tender, drain and mash with butter, milk (or cream) and salt.
Preheat your oven to 350º
In a pan, fry ground beef and onion in oil and season with S & P, drain.
Sprinkle with flour, seasoning salt, S&P, let the flour cook off for about a minute while stirring.
ADD water, stir and heat until boiling and thickened. Reduce heat to simmer. The consistency you are looking for is "stew like". add water as you feel necessary but it should not take more than 1½ cups
Add gravy browner, HP sauce, horseradish, veggies (frozen or fresh), stir and taste for seasoning, adjust as necessary. Turn off heat
Put meat mixture into an 8x8" pan (or 4 individual ramekins) and cover with the mashed potatoes. Dollop with butter or margarine and sprinkle with paprika if using.
Bake , uncovered, for 30 min or until bubbly and lightly browned. Enjoy, serve with a salad.