Preheat oven to 350 Brown ground beef, mix together cream
cheese and sour cream in a large bowl. Mix in refried beans
and beef until combined. Stir in taco seasoning, spray 9x13
pan with cooking spray. spread mixture evenly into the
bottom of the baking dish. sprinkle the top with both
cheeses, bake for 25-30 minutes or until cheese is melted
and slightly browned. serve with tortilla
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