Sprinkle one tortilla with Cheddar cheese; top with
second tortilla. Brush lightly with oil; place on
baking sheet. Bake in preheated 450 F oven for 4
minutes. In small bowl, combine pizza sauce and cumin;
spread on tortilla. Spoon on refried beans; sprinkle
with chiles, green onion, olives and Monterey Jack
cheese. Bake in preheated 450 F oven for 3 minutes
longer or until cheese is melted. Cut into wedges.