2 lbs. ground chuck
1/2 tsp. salt
1/2 tsp. pepper
1/2 tsp. Lowry's salt
1 can refried beans

Combine first 4 ingredients and brown in frying pan. Add refried beans, stirring until hot.

SAUCE:

22 1/2 oz. tomato sauce
1 (10 oz.) can beef gravy
3 tbsp. chili powder
6-7 oz. sharp Cheddar cheese, shredded

In small saucepan, combine ingredients for sauce. Heat until it bubbles, stirring frequently.

Using a large flour tortilla, place meat mixture in shell, pour sauce and a little grated cheese over this. May add lettuce, tomato and onion. Close shell, pouring more sauce and cheese on top. Microwave on High until cheese is melted.