Instructions: In a skillet, saute peppers and onion in oil until tender. Stir in picante sauce; set aside.

Cook frozen vegetables according to package directions; drain. Cool slightly; coarsely chop vegetables.

Place 2 tortillas on an ungreased baking sheet. Spread each with 1/3 cup refried beans and sprinkle with 1/3 cup of the pepper mixture. Top each with another tortilla. Spoon 1 1/2 cups vegetables over each tortilla and sprinkle with all of the jack cheese. Top the last 2 tortillas with remaining beans and pepper mixture; place one on each stack. Sprinkle with all of the cheddar cheese.

Bake for 10 to 15 minutes or until heated through and cheese is melted.

Garnish with cilantro and olives. Cut into wedges. Serve with sour cream and picante sauce.

If you would like to email yourself the recipe for later use, or share the recipe with your friends or family, enter the email addresses below and this recipe will be emailed to you and others as well.