Burrito Bake

1 1b ground beef (I usually use ground turkey)
1 small onion, chopped
1 green pepper, chopped
1 pkg. taco seasoning
1 1/4 cup water
1 cup Bisquick
1 (16 oz) can refried beans
1 cup salsa
2 cups shredded cheddar cheese

Brown ground beef, onion, and pepper together. Drain and rinse well. Add taco seasoning and 1 cup of water. Simmer 2o minutes. Combine Bisquick, 1/4 cup water and refried beans. Mix well and spread bean mixture on bottom of 9x13 baking dish. Next, spread ground beef mixture, salsa, and then cheese. Bake at 400 degrees for 25-30 minutes. Cut into squares and top with lettuce, olives, tomatoes, and sour cream.