Brown 1 lb. of hamburger and drain. Add a package of taco seasoning mix to hamburger and follow directions on package. Chop hamburger like used on taco's. While that's cooking , in a medium size bowl put in a can of refried beans, 1 cup of bisquick, 1/2 cup of water and mix well. Next preheat oven to 350 degrees. In a large baking dish put in hamburger 1st, then add the bean mixture on top, (spread out) next spread in 1/3 cup of picante sauce on top of that., last sprinkle 1 cup of mild cheddar cheese. Bake for 35 mins. Serve warm in bowls.