preheat the oven to 350
cook meat per the taco seasoning packet instructions (typically, brown the meat, then add seasoning and water, and cook seasoning "sauce" down).
For chicken, i prefer to cook it in the instant pot with the seasoning in the bottom with some water, then shred it when it's cooked.
drain all cans of beans and corn
put ranch (or black) beans in a 9x13 pan, spread evenly on the bottom
add pinto beans to the black beans
place meat over black and pinto beans
pour corn over the meat, again, spreading evenly
spread the refried beans over the top of the mixture
cover with cheese
place in the oven for 25-30 minutes at 350 degrees - or until cheese is melted, and the mixture is above 160 degrees throughout
serve with chips and sour cream.
This pairs well with the salsa on my recipes, as well as the garlic-soy sauce creama.