Directions:
Spread half of a flour tortilla with refried beans, a slice of Cheddar, Monterey Jack, or mozzarella cheese and mild salsa. Fold the tortilla in half, place between two paper plates, and heat in a microwave until the cheese is melted (to heat in the oven, wrap in tinfoil). Cut into triangles or leave whole; wrap in foil. You can also layer one tortilla over another or roll a single tortilla, Mexican fashion