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Pre-heat oven to 400°
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In large pan, brown ground beef, over medium heat. Darin off grease. Stir in taco seasoning and water, lower heat to simmer. Cook until sauce has thickened, about five minutes.
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Place re-fried beans into microwave safe bowl. Heat in microwave for 90 seconds. This just makes it easier to spread.
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Lightly coat baking dish with cooking spray. I used a stoneware tart pan. A glass baking dish would also work. Spread beans in bottom of dish.
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Sprinkle Mexican cheese over beans.
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Add cooked meat.
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Top with salsa, crumbled cotija cheese, tomato and olives.