Matador delight recipe in the casserole category

: Cook ground beef in a large skillet until browned, stirring to crumble. Drain well. Add chopped onion, water, chili powder, salt, cumin and pepper to ground beef. Cook, uncovered, about 5 minutes, stirring occasionally. Remove skillet from heat. Stir in refried beans and set mixture aside. Spread about 1/2 cup taco sauce in a greased 12 x 8 x 2 inch baking dish. Arrange 2 tortillas on top of sauce. Cover with half of meat mixture, sour cream and an additional 1/2 cup taco sauce. Arrange 2 additional tortillas on top of sauce. Cover with an additional 1/2 cup taco sauce, the remaining meat mixture and half the cheese. Arrange remaining tortillas, taco sauce and cheese on top. Cover and bake at 350 degrees F for 40 minutes. Let stand 5 minutes before serving.