Vegetable Burrito with Rice and Black Beans

Name: Vegetable Burrito with Rice and Black Beans
Ingredients: 4 Flour tortillas (10-inch); ¾ cup chopped onions; 2 teaspoons vegetable oil; ½ teaspoon ground Cumin; ½ teaspoon Chili powder; ½ red Bell pepper (rinsed; cored and cut into strips); ½ yellow Bell pepper (rinsed; cored and cut into strips); ½ green Bell pepper (rinsed; cored and cut into strips); ⅔ cup frozen Corn kernel (thawed); 1 ⅔ cups canned black beans (rinsed, drained); ½ cup canned, mexican-style, stewed tomatoes (drained); salt (to taste); freshly ground Black pepper (to taste); 16 ounces canned Refried Bean; 1 cup cooked, brown or white Rice; 1 ripe Avocado (chopped); ½ cup grated Cheddar cheese (or monterey jack); ¼ cup chopped, fresh Cilantro