Cook hamburger, onions, bell pepper and garlic together. Add cumin and cilantro to mixture and cook until meat is browned and veggies are tender. Then stir in 3/4 can enchilada sauce 1/2 cup picante sauce and ricotta cheese. Chives and parsley. Heat thoroughly

Cook Spanish rice as directed on package or make your own.

Heat refried beans in separate pan. Add 1/4 cup picante sauce to beans.

Pour 1/4 cup enchilada sauce in bottom of casserole dish and spread across.

Place tortillas across sauce. Cover entirety. You may need to tear some of the tortillas in half to completely cover. Its OK if they slightly overlap.

Spread 1/3 of the beans on top of tortillas. Layer 1cup Spanish rice on top of beans. Layer 1/3 meat mixture on top of rice.

Repeat these steps two more times, except do not place cheese on top layer.

Cover with foil and Bake in preheated oven at 350 for 45 minutes

Take out of oven remove foil and add layer of cheese on top. Place back in oven for 5 minutes. Sprinkle with parsley flakes after removing from oven.