Instructions: 1. Heat oil in heavy soup pot, add onions and cook until tender. Add garlic and cook 1 minute more.

2. Add bay leaf, oregano, stock and drained navy beans. Bring to strong simmer and cook until beans are tender and beginning to split approx. 1 hour.

3. Meanwhile, remove and discard seeds from jalapeno and banana peppers. Mince peppers. Coarsely chop tomatoes, reserving juice. When beans are cooked, add to them the peppers, tomatoes with juice, kidney beans with juice, green chiles, cumin and cayenne pepper. Stir in refried beans until no lumps remain. Simmer 15-20 minutes.

4. Add cilantro and season to taste withsalt and pepper. Garnish with tortilla chips and serve.

Notes: Very good!

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