Huevos Rancheros

Name: Huevos Rancheros
Ingredients: 4 whole Tortillas (medium-sized); 1 cup Refried Beans; 4 whole Poached Eggs; ½ cups Cheddar Cheese; ½ cups Salsa; 1 pinch Sea Salt; 1 pinch Ground Chile; 2 Tablespoons Chopped Cilantro And Chives; Diced Avocado, To Serve; _____; FOR THE HOMEMADE REFRIED BEANS (optional):; 1 cup Canned Or Cooked Black Beans Or Pinto Beans; ½ whole Small Onion; 1 dash Cumin; 1 dash Cayenne; Salt To Taste; 1 clove Garlic, Minced; 1 whole Jalapeno, Minced; 1 whole Lime, Juiced