Brown beef in skillet; drain. Add onion, seasoning mix, water and refried beans. Mix well. Simmer for 5 minutes. Spoon into tortillas, and roll to enclose filling. Place seam side down in a greased 9x13-inch baking dish. Mix taco sauce and tomato sauce in a bowl. Spoon over tortillas. Sprinkle with 2 cups cheese. Microwave on high for 10 minutes. Sprinkle with remaining ingredients. Yields 12 servings.