Brown ground beef, crumbling as fine as possible; drain and set aside.

Wipe pan clean, and over medium heat, mix refried beans, taco seasoning, 1/2 of the Pace picante sauce, and the water, stirring nearly constantly. When mixed and heated gently, add reserved ground beef. Remove from heat.

Spread mixture into two 9 inch pie pans. Spread sour cream, then remaining 1/2 Pace picante sauce, and then cheese over mixture.

Bake, uncovered, for 1/2 hour at 350 degrees. Serve with tortilla chips.

(Can refrigerate or freeze one or both pans; but thaw completely if frozen before baking).

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