1 flour tortilla
refried beans
grated cheese
olives, tomato, onion, green pepper, lettuce (as desired)
salsa

Spread tortilla with refried beans.

Place desired amount of salsa.

Sprinkle cheese over the top.

Add olives, tomato, onions, green peppers as desired.

Sprinkle lettuce over if desired.

Roll up tortilla and cut in half.