Preheat oven to 375
Prepare the vegetables (onion, celery, jalapeno) as described above. Mix together the taco seasoning.
Heat olive oil in a large pot over medium heat
Add onion and celery to pot, and, cook until the onion is translucent (5-10 minutes)
Add jalepeno and taco seasoning, stir until combined and aromatic, about 1-2 minutes
Add the tomatoes, chili beans, black beans, and refried beans. Stir until well combined and simmering, about 3-5 minutes. Season with salt to taste.
Spray a 12 x 8 inch baking dish with cooking spray..
Cut the tortillas in half. Place half of the tortillas in the bottom of the pan
Spoon ½ of the bean mixture over the tortillas.
Spoon all of the sour cream over the bean mixture
Place remaining tortillas over the sour cream
Spoon the remaining bean mixture over the tortillas
Top with the 2 cups of cheese. Cover with foil
Bake at 375 for 25 minutes.
Serve with cilantro, shredded lettuce, and other optional ingredients.