In a medium-sized skillet, brown the ground turkey with the taco seasoning mix over medium-high heat, stirring to break up the meat: drain and cool. Heat beans in a saucepan on low to medium-low heat.

Now, this is a hot and cold salad. While the natural American tendency is to put the hot food (beans/ground turkey) on top of a bed of lettuce, it works much better to sequence it as follows:

1) Place a small dollop of refried beans on plate

2) Add ground turkey

3) Sprinkle with cheese

4) Heat in microwave for 1 minute on medium high or high power

5) Add chopped lettuce, tomatoes, black beans, jalapenos, cheese... sour cream... salsa and any optional items you want.

Top with crushed tortilla chips, also optional.