Warm the tortillas in the microwave for 15-30 seconds each, or until warm to touch. Working with one tortilla at a time, spread an even layer of refried beans over the entire top of the tortilla. Down the center of the tortilla, layer the rice, cheese, meat, lettuce and tomatoes, adjusting fillings to suit tastes if desired. To form a cone, hold one end of the tortilla down and roll into a cone shape, keeping one hand on the bottom corner and spiraling the tortilla into a cone. Use a little of the refried beans to secure the edge in place.