3 tbsp. oil
2 tbsp. flour
1 to 2 tbsp. chili powder
2 c. water
1 tsp. vinegar
1/2 tsp. garlic powder
1/2 tsp. oregano
1/2 tsp. salt (or less)

FILLING:

1 (16 oz.) can refried beans
1 (15 oz.) can kidney beans, mashed
1 c. cottage cheese
1/2 c. chopped green pepper
1/2 c. chopped almonds or sunflower seeds (optional)

TORTILLAS:

8 to 10 tortillas

TOPPING:

1 c. grated cheese

Combine sauce ingredients. Bring to a boil; simmer for 5 minutes. Mash beans and combine with other filling ingredients. Divide filling among tortillas and roll up. Place, seam side down, in a shallow baking dish. Pour sauce over all. Top with cheese. Bake at 350 degrees for 20 minutes, basting occasionally with sauce. Serve with taco sauce/salsa, if desired.