Brown meat and onion, drain.
Add taco seasoning and stir in refried beans.
Mix soup and sour cream in seperate bowl.
Spread 1/2 sour cream mixture in the bottom of a casserole dish.
Tear up 3 tortillas and spread over sour cream mixture.
Put 1/2 the meat/bean mixture over that.
Add a layer of cheese.
Hot sauce if wanted.
Repeat the layers.
Bake uncovered at 350 for 20 to 30 minutes.
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