2 tbsp. sunflower oil
1 c. onion, finely chopped
3 cloves garlic, minced
1 tsp. oregano
1 c. green pepper, chopped
1 c. zucchini, chopped
1 c. carrot, grated
1 can refried beans (vegetarian)
1 sm. can green chili peppers
1 tsp. ground cumin
1/2 tsp. salt
10 (10") white flour tortillas
1 1/2 c. grated Cheddar cheese
1 1/2 c. grated jalapeno pepper Jack cheese
Salsa
Sour cream

Saute onions and garlic in hot oil in a frying pan with oregano. Add the green peppers, zucchini, carrot and chili peppers. Saute 5 minutes until tender, but not overcooked. Remove from heat and add salt and cumin.

Have someone to help you warm the tortillas. I microwave them for 10-15 seconds to soften them up. Spread about 2 tablespoons refried beans in center of tortilla, add about 1/2 cup of vegetable mixture, sprinkle with a mixture of cheeses. Fold up sides, then roll the rest of the tortilla. Place seam side down on a cookie sheet.

Finish with the rest of the tortillas. Brush with a small amount of salsa. Bake at 350 degrees for about 10 minutes, until golden brown. Serve with more salsa and sour cream. These are best baked right before eating.