| 2 | c | Coarsely chopped onions |
| 2 | | Cloves garlic, minced |
| 2 | tb | Vegetable oil |
| 1 | cn | Dark red kidney beans rinsed and drained 15 ounce can |
| 1 | cn | Black beans (15 ounce can) rinsed and drained |
| 1 | cn | Pinto beans (15 ounce can) rinsed and drained |
| 1 | cn | Whole tomatoes (28 oz can) undrained coarsely chopped |
| 1 | | Large green pepper cut into 1/2-in pieces |
| 1 | c | Picante sauce |
| 2 | tb | Unsweetened cocoa |
| 2 | ts | Ground cumin |
| 1 | ts | Oregano leaves, crushed |
| 1/2 | ts | Salt |
| 1/8 | ts | Ground nutmeg |
| 1/8 | ts | Ground allspice |
| | Dash of ground cloves (opt) |
| | OPTIONAL TOPPINGS |
| | Sour cream |
| | Chopped cilantro |
| | Shredded monterey jack chese |
