Ground Beef Taco Casserole

"A delicious and easy layered Taco Casserole with chips, refried beans, taco seasoned ground beef, oodles of cheese, cilantro, and Pico de Gallo...."

INGREDIENTS
1 ½ lbs ground beef
1 medium onion chopped
¼ cup taco seasoning
1 cup water
3-4 cups broken tortilla chips
1 (16 ounce) can refried beans
½ cup sour cream
1 tablespoon hot sauce
1 cup shredded cheddar
1 cup shredded Monterey Jack
¼ cup chopped cilantro
Pico de Gallo (optional)
Sour cream (optional)
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