Heat oven to 375°. In a large skillet cook beef, onion and green pepper. Drain and stir in water and tacos seasoning. Cook and stir until thickened. (About 3 minutes)

Place meat mixture in a greased 8x8 square baking dish. In a small bowl, stir refried beans and spread over the meat. Top the beans with cheese.

Bake uncovered for 15-20 minutes or until heated through. Top with lettuce, tomatoes, olives, and crushed chips. Serve with picante sauce and spur cream.