1. Fry meat, onion, garlic, and green bell pepper together in skillet until fully cooked. Drain grease, and stir in cumin, chili powder, salt, pepper, and hot sauce.

2. Grease a 9 x 13-inch casserole dish and spread beans across the bottom. Sprinkle about 1/3 of the cheese over the beans, and then top with the meat. Sprinkle remaining cheese on top.

3. Sprinkle 1/2 cup green and/or red peppers over cheese, and bake at 375 degrees for 15-20 minutes, or until hot and bubbly.

4. Spoon hot bean and meat mixture onto plates. Top with sour cream, black olives, tomatoes, and jalapenos (if using). Serve with tortilla chips.