1 lb. ground beef
1 onion, chopped
3 cloves garlic, peeled or 1/4 tsp. garlic powder
1 cup picante sauce
8 flour tortillas
Sour cream
1 tsp. ground cumin or taco seasoning
1 (16oz)) can refried beans
1 1/2 cups shredded Monterey Jack or Mexican cheese
2 tbsp. butter, melted

Brown ground beef with onion and garlic; drain. Stir in picante sauce and cumin or seasoning; simmer for 5 minutes. Remove from heat.

Stir in beans; add cheese. Mix well until cheese has melted. Brush 1 side of tortillas with butter. Spoon 1/2 cup of mixture onto center of unbuttered side.

Fold 2 sides over filling; fold ends down. Place, seam side down, in 9 x 13-inch baking dish.

Bake in preheated 500°F oven for 13 minutes or until crisp and golden brown. Top with sour cream, shredded lettuce, ripe olives, cheese or your favorite toppings.