Mexican Fajita Pie

Name: Mexican Fajita Pie
Ingredients: 1 (15-ounce) can vegetarian refried beans; ½ Cup salsa; 2 Tablespoons sour cream; 2 Tablespoons olive oil; 1 clove garlic, minced; ½ red onion, thinly sliced; 1 red pepper, thinly sliced; 1 green pepper, thinly sliced; ¼ Teaspoon fine sea salt; 1 Teaspoon dried oregano; 1 Teaspoon cumin; 1 Teaspoon chili powder; 1 Cup black beans, drained and rinsed; 4 whole wheat tortillas; 6 Ounces sharp Cheddar cheese, shredded (about 1 1/2 cups)