3/4  C             unbleached flour
     1/2  C             cheddar cheese -- shredded
   1 1/2  Tsps          baking powder
     1/2  Tsp           salt
     1/3  C             skim milk -- at room temperature
   1                    egg white -- whipped
   1      Can           garbanzo beans -- (15 1/2 oz) drained
   1      Can           kidney beans -- (15 1/2 oz)
   1      Can           tomato sauce -- (8 oz)
   1      C             bell peppers -- chopped
     1/4  C             onion -- chopped
   2      Tsps          chili powder
   1      Pkg           taco seasoning mix
   2      Cloves        garlic
     1/2  C             cheddar cheese -- shredded
Preheat oven at 375.  Prepare pie plate, 10 x 1" with cooking spray and 
flour.  Mix flour, 1/2 cup cheese, baking powder and salt in medium bowl.  
Stir in milk and egg white until blended.  Spread over bottom and up side 
of pie plate.  Mix remaining ingredients except 1/2 cup cheese.  Spoon 
into pie plate; sprinkle with 1/2 cup cheese.  Bake uncovered about 25 
minutes or until edge is puffy and light brown.  Let stand 10 minutes 
before cutting.