Soy Beef-Taco Rice with Refried Beans

4 cups water
1 cup chopped onion
1 cup chopped green bell pepper
1/4 teaspoon salt
1/4 teaspoon black pepper
1 (1.25-ounce) package taco seasoning, divided
4 cups uncooked instant rice
2 (8-ounce) cans no-salt-added tomato sauce
1 pound soy beef grounds
Cooking spray
1 lb refried beans (see below)
1 (8-ounce) package shredded cheddar cheese

Preheat oven to 350°. Combine first 5 ingredients in a large saucepan; add half of the taco seasoning. Bring to a boil. Remove from heat. Stir in rice; cover and let stand for 5 minutes. Stir in tomato sauce. Cook soy grounds in a large nonstick skillet over medium-high heat until browned, return grounds to saucepan. Stir in remaining taco seasoning. Spread half of rice mixture in bottom of a 13 x 9-inch baking dish coated with cooking spray. Spread beans evenly over rice mixture, and top with soy grounds mixture and half of cheese. Spread the remaining rice mixture over cheese, then top with remaining cheese. Bake at 350° for 10 minutes or until the cheese melts.
refried beans @
http://allblindtrust.blogspot.com/2005/12/refried-beans-2-cans-kidney-beans-or.html