2 (16 oz.) can refried beans
1 pkg. taco season mix
8 oz. water
8 oz. cheddar cheese
Flour tortillas, 1 pkg. of 10

TOPPINGS:

Chopped onions
Chopped sweet peppers
Chopped tomatoes
Shredded lettuce
Taco sauce or salsa
Sour cream

Mix beans, water, and taco seasoning together and heat in microwave for 20 minutes.

In a 9 inch pie pan, cover bottom with floured tortillas, about 3. Then spoon beans over tortillas followed by cheddar cheese. Keep layering until all ingredients are used.

Reheat in microwave for 20 minutes. Serve with toppings.