For the Base:

• 4 medium flour tortillas
• 1 cup refried beans (canned or homemade)
• 1 cup cooked ground beef (seasoned with taco spices)
• 1 cup shredded cheddar cheese
• 1 cup shredded mozzarella cheese

For the Toppings:

• 1/2 cup diced tomatoes
• 1/4 cup sliced black olives
• 1/4 cup chopped green onions
• 1/4 cup chopped cilantro
• 1/4 cup sour cream (optional)
• 1/4 cup salsa (optional)
• 1/4 cup guacamole (optional)

For the Taco Seasoning (if making from scratch):

• 1 tsp chili powder
• 1/2 tsp cumin
• 1/2 tsp paprika
• 1/4 tsp garlic powder
• 1/4 tsp onion powder
• 1/4 tsp oregano
• Salt and pepper to taste