Sprinkle one side of tortilla with cinnamon. On one half of the tortilla, place thinly sliced fruit of your choice. (My favorite is a combination of bananas and strawberries). Add a handful of chocolate chips. Fold tortilla in half. Add a little margarine to both sides of tortilla and put on either a medium hot grill or skillet. Toast both sides until the chocolate is melted and the tortilla is lightly browned. Eat as is, or top with whipped cream or ice cream.