preheat oven to 350°

Brown ground beef and add taco seasonings cook according to package directions

put a layer of refried beans on tortilla shell

put small lay of refried beans on another tortilla and add taco meat and a little cheese , stack on top of first torilla

finally top with third tortilla and cover with cheese

place on cookie sheet and bake till cheese is melted and tortillas are a little crunchy

Enjoy!!

top with sour cream , salsa , lettuce ..whatever you would put on a taco