2 lbs. ground beef
2 pkgs. taco seasoning
1 (16 oz.) can refried beans (plain or seasoned)
8 oz. Monterey Jack cheese, grated
16 oz. longhorn cheddar cheese, grated
Lettuce, chopped
Tomatoes, chopped
Black and or green olives, sliced
Onion, chopped
Enchilada sauce (or picante or taco sauce)
Sour cream
10 lg. flour tortillas

Brown ground beef, drain fat. Season with taco seasoning according to packet directions. In separate skillet, heat refried beans and Monterey Jack cheese until blended and bubbly. Fill flour tortillas with beef mixture and bean mixture. Roll up tortilla. Cover with sauce and cheese. Melt cheese in microwave. Then top with lettuce, tomato, olives, onions, and sour cream.