Patricia's Vegitarian 3 Bean Chili

2 tbs olive oil
1 med yellow skinned onion chopped
1 red pepper chopped
1 green pepper chopped
1 lg jalapeno pepper chopped (keep the seeds for
hotness)
4 cloves garlic crushed and chopped
1 cup vegetable broth
1 28 oz can crushed tomatoes
1 chopped tomato
1 can (14 oz) black beans
1 can dark red kidney beans
1 tbs ground cumin
2 tbs chili powder
1 cup spicy vegetarian refried beans
Adobo seasoning

Toppings: Cheddar cheese, corn tortilla chips

Over moderate heat, add oil to a deep pot. add onion,
peppers,and garlic, saute 3-5 min. add tomatoes & left
soften. add broth, black beans red kidney beans and
stir 10-15 min. add adobo seasoning to taste. Add
cumin & chili powder. Stir in refried beans. simmer
over low heat 5-10 min