Owen's Copycat Taco Bell Beefy 5 Layer Burrito

Well, here's another Taco Bell treat, and this turned out so well.  Everyone felt like these tasted just like Taco Bell's Beefy Five Layer Burrito, but with a better tortilla and a little more flavor, so all good things :).  Owen loves this burrito, and so we decided to recreate it at home, and hooray, everyone but Owen gave it a perfect 10, he only gave it a 9 because he doesn't like the spice in the nacho cheese (he gets his without nacho cheese at TB :)).  This isn't really that difficult, the only thing that is in any way difficult is the nacho cheese, and it is important to note that it uses some Velveeta, because nacho cheese isn't the same without processed plastic cheese ;).  Anyway, each serving is around 450 calories and here's what to do:

home made nacho cheese sauce 
1/2 c of 1 lb velveeta melted with 1 can Rotel or Rotel dip
1 lb hamburger
1 T chili powder
1 t cumin
1/2 t coriander
1/2 t onion powder
1/2 t garlic salt
salt and pepper to taste
1 can refried beans (canned is better than homemade because of trying to taste like TB, homemade is better if you like food to taste delicious :))
tortillas
grated cheese
sour cream

Mix together the Rotel dip with the homemade nacho cheese, stirring well, and keeping warm.
Brown the hamburger in a skillet and drain the fat from the pan.  Add in the spices to taste, and set aside.  Cook/warm the tortillas, then layer the tortillas with nacho cheese, hamburger meat, refried beans, grated cheese, then sour cream.  Roll and serve.

Thanks Owen for a fun dinner idea :)!