In a large skillet, cook the ground beef over medium high heat until it is completely browned. For fine ground beef crumbles, break the meat up with a meat chopper or potato masher. Drain off the excess fat.

Add the taco seasoning and water. Turn the heat to medium and simmer for 5-10 minutes. or until most of the liquid has cooked off.

Fill each tortilla with about 1/3 cup of meat, cheese, and pico. Roll up.

Wrap in a damp paper towel and microwave for 20-40 seconds, or until the cheese melts.