1 lb. ground beef
1 sm. onion, chopped
8 oz. Monterey Jack cheese
1 1/2 c. salsa
1 sm. tomato, chopped
6-8 flour tortillas
1 (16 oz.) can refried beans
Cumin
Garlic powder
Pepper
Salt
Chili powder
8 oz. Cheddar cheese

Brown onion until beef is brown and onion is tender. Drain off fat. Season to taste with cumin, garlic and chili powder. Add salsa and tomato. Remove from heat and set aside. Divide refried beans evenly among flour tortillas. Spread beans on each tortilla. Sprinkle with chopped olives and cheese. Roll up tightly and arrange closely in oblong pan.

Pour meat sauce over top and spread evenly, then sprinkle generously with cheese. Bake at 400 degrees for 20-30 minutes. Cut into squares and serve with chopped lettuce, tomatoes, and sour cream.