In a medium size saucepan combine all ingredients for beans except lime juice and cook until liquid is mostly gone. Puree with hand blender or food processor until desired texture. Add lime juice before serving. In a blender, blend all the cilantro cream ingredients until smooth. Best if refrigerated 1 hour before serving.
Reconstitute chicken and peppers by placing in a small bowl and barely covering with cool water. Allow to stand 5 minutes (no need to drain). In a skillet on high heat, sauté onions and garlic. Add chicken mixture and sauté together. Season with remaining ingredients.
Spread refried beans on each tostada shell, add chicken mixture, then top with cilantro cream. Add other toppings as desired, like THRIVE cheese, shredded lettuce, guacamole, and THRIVE salsa.