This was another recipe we have made this week in an attempt to beat the heat. We warmed up the beans in the microwave, and cooked the tortillas on the stovetop, which only took a few minutes. Loading on all the cool veggie toppings made for a refreshing, but filling dinner. (It's also good with some of the Creamy Tomatillo Dressing or Chipotle-Lime Dipping Sauce drizzled on it.)
1. Heat about 1/2 c. oil in a large skillet. Using tongs, place the tortilla in the pan. Use the tongs to hold the tortilla down or it may bubble up in the middle. Cook for about a minute on each side until browned and crisp. Drain on a paper towel lined plate.
2. When cool, spread with refried beans and top with desired toppings.
source: Good Cheap Eats