Heat a 6 - inch corn tortilla in an oiled pan.   When it is golden brown underneath, flip it over.  Sprinkle some shredded cheddar over the browned side and let it melt a bit.  Break a single egg over the melting cheese.  Don't sorry if it rolls over the edges.  Season it with salt and pepper.  When the white is about halfway set, flip the whole thing over.  Cook it for a few minutes on the other side.  Flip it back onto the plate.  It's ready.  Top with refried beans, salsa, cilantro and crumbled goat cheese.