Southwest Quesadilla with Cilantro-Lime Sour Cream

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2 tablespoons olive oil, plus extra for griddle

1 small red bell pepper, diced

1/2 red onion, diced

3/4 cup corn kernels, (about 1 ear)

2 teaspoons red pepper flakes

1 teaspoon ground cumin

Salt and freshly ground black pepper

1/2 cup freshly chopped cilantro leaves

Four 10-inch "burrito size" flour tortillas

One 16-ounce can refried black beans

1 cup grated Pepper Jack cheese

Lime-Cilantro Sour Cream, recipe follows

Lime-Cilantro Sour Cream:

1/2 cup sour cream

1/4 cup freshly chopped cilantro leaves

1/2 lime, juiced

Pinch salt