Ingreadient

• 1 pound lean ground beef
• 1 (1 ounce) package taco
• seasoning mix
• 2/3 cup water
• 2 (16 ounce) cans refried beans
• 4 (10 inch) flour tortillas
• 2 cups shredded monterey jack
• cheese
• 2 cups shredded cheddar cheese
• 2 tablespoons sour cream
• 1 tomato, diced
• 1 avocado - peeled, pitted and
• sliced
• 1 (2 ounce) can sliced black olives
• 2 chopped green onions