| 2 | ts | Olive oil |
| 2 | c | Chopped onion |
| 1 | c | Chopped green bell pepper |
| 1 | c | Chopped red bell pepper |
| 1 1/2 | tb | Chili powder |
| 1 | tb | Dried oregano |
| 1 | tb | Unsweetened cocoa |
| 1 | ts | Ground cumin |
| 6 | | Garlic cloves; minced |
| 2 | c | Water |
| 1 1/2 | c | Uncooked bulgur or cracked wheat |
| 2 | tb | Minced fresh cilantro |
| 16 | oz | Canned pinto beans; drained |
| 15 | oz | Canned black beans; drained |
| 14 1/2 | oz | No-salt-added diced tomatoes; with juice |
| 14 1/2 | oz | Canned vegetable broth |
| 2 | | Chipotle chiles in adobo sauce; drained and minced, avail in cans |
| 2 | c | Lowfat Monterey Jack cheese; shredded (8oz, divided use) |
| 2 | c | Baked tortilla chips |
