1 lb. ground beef
1 c. water
12 oz. Cheddar cheese, shredded
1 pkg. taco seasoning
1 (16 oz.) can refried beans
12-16 oz. jar mild taco sauce

Cook and drain ground beef. Add seasonings and water. Simmer 5 minutes. Add beans to ground beef mixture. Layer ingredients as follows: tortilla shell, meat and bean mixture, then cheese ending with a tortilla shell. Top with taco sauce and cheese, reserving some sauce to serve with dish at table. Bake at 350 degree oven for 20 minutes or until bubbling.