2 lbs. ground beef
1 can refried beans
1 pkg. taco seasoning mix
1 pkg. gravy mix
1 pkg. flour tortillas
1 pkg. shredded Cheddar cheese

Brown ground beef; drain. Mix in other ingredients. Add 3 cups water; simmer 15 minutes. Drain gravy from meat. Place meat in flour tortillas; top with gravy. Sprinkle cheese on top and microwave on high 1 minute.

Optional Toppings: Lettuce, black olives, sour cream, and chopped tomato.