What you need.
Preheat oven to 400 degrees. In a skillet cook ground beef, and onions untill meat is browned. Drain excess fat. Add taco seasoning,water, and simmer for 20 mintues. In a medium bowl, combine refried beans, and taco sauce. Layer half of the bean mixture in a 8 inch square baking dish. Top with half of meat mixture, 2 cups tortilla chips, and 1 cup of cheese. Layer remaining bean mixture, meat mixture. Bake 25 mintues. Remove from oven, and top with remaining chips, and cheese. Bake untill cheese is melted Makes 4-6 servings.