Burrito Cassarole

8 small flour tortillas
2 cups refried beans
1/2 small red onion-diced
1 1/2 lbs. ground beef
1 1/2 cups salsa
1 1/2 cups shredded cheddar cheese
1 minced jalapeno pepper (opt)

Preheat oven to 350 degrees. Cut 5 of the tortillas into strips about 1/2 inch wide, set aside.
Line the bottom of a 9X13 casserole dish with the remaining tortilla shells. Spread an even layer of refried beans over the tortillas. In a large skillet, brown the beef and onion, breaking up the meat as it cooks. Drain and add the salsa. Spread the meat mixture over the refried beans, top with tortilla strips,  then sprinkle with the cheese. Bake 10-15 minutes or until cheese is melted. Serve with sour cream, chopped tomato, and chopped avocado if desired.