INGREDIENTS

   *4 sweet red bell peppers (or 2 red and 2 yellow), diced
   *2 large sweet onions (such as Vidalia), diced
   *4 cloves garlic, minced
   *2 Tbsp. olive oil
   *1 can (15 oz) vegetable broth
   *2 large cans (28 oz each) crushed tomatoes
   *2 cans (15 oz each) black beans, drained
   *2 cans (15 oz each) kidney beans, drained
   *1 can (15 oz) fat free spicy refried beans (can substitute regular)
   *chili powder to taste (1 tsp to 2 Tbsp or more)

DIRECTIONS

• Heat oil in a stockpot or Dutch oven. Add the onions, pepper and garlic. Continue stirring until both the onions and garlic turns soft. Add all the rest of the ingredients and let it come to a low boil while stirring often. Gradually add chili powder until preferred spice is attained. Remove from the stove top and serve with optional sprinkles of low fat cheddar cheese on top and fresh diced onions.