Heat oil in large soup pot.
Saute onions in oil over medium heat, stirring often, until lightly browned.
Add garlic and jalapeno peppers; cook and stir for another minute.
Stir in remaining ingredients, lower heat and cover.
Simmer for at least one hour, stirring occasionally.
Cooked beans may be added near the end of cooking period, if desired (adjust
seasonings to taste).
Serve chili topped with diced onions, sliced olives, avocado chunks, chopped cilantro
leaves or your favorite garnishes.
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