Preheat oven 350 degrees

Dice onion and bell peppers. Add I tbsp olive oil and cook in saucepan until tender

Add ground beef and cook until brown. Drain

Add taco seasoning packs and 2/3 cup water, cook until liquid is gone.

Mix can of refried beans with 1/2 jar of salsa

Layer 9×13 pan with tortillas, cheese, meat, bean mix, tortilla, cheese, meat bean mix. Top with tortilla and finish with cheese

Put in preheated oven, cook 10 minutes or until cheese is melted. Cut and serve with salsa, sourcream, lettuce, black olives. Enjoy