In a saucepan, combine the first six ingredients; simmer for 15-20 minutes. In a skillet, brown the beef. Drain; stir in one-third of the sauce. Spread another third on the bottom of a greased 13x9x2" baking pan. Place three tortillas over sauce, tearing to fit bottom of pan. Spoon half of meat mixture over tortillas; sprinkle with 1 1/2 cups cheese. Add three more tortillas. Spread refried beans over tortillas; top with remaining meat. Sprinkle with 1 1/2 cups cheese. Layer remaining tortillas; top with the remaining sauce. Sprinkle with remaining cheese. Bake, uncovered, at 350ºF. for 35-40 minutes. Let stand 10 minutes before cutting. Serve with taco sauce, sour cream, chili peppers, chopped onion and/or guacamole if desired.

Notes: "Our family loves Mexican food, so this flavorful, satisfying casserole is a favorite. Its nice to have a way to get the taste of burritos and be able to cut servings any size you want." - Joyce Kent Posted to brand-name-recipes by RecipeLu <recipelu@geocities.com> on Jan 24, 1998