I use the microwave method, with variations: Lay one tortilla on microwave-safe plate. Spread thin layer of refried beans on tortilla. Optional: Top with thin layer of meat -- shredded or finely chopped cooked chicken breast or ground beef (leftover from tacos is terrific). Top with shredded low-fat Mexican four-cheese mix. Put another tortilla on top and press down on all sides and middle. Microwave 1 minute (without meat) or 1 minute 15 seconds (with meat). Wait until it cools, and cut with small pizza cutter and/or knife. Serve with toppings -- sour cream and salsa.