Ingredients:

  Amount  Measure       Ingredient -- Preparation Method
--------  ------------  --------------------------------
     1/4  cup           vegetable oil
     1/2  cup           chopped red onion
   4                    sliced carrots
   1      can           spicy pinto beans
   2      cans          black beans
   2      cans          chicken broth
   2                    cooked chicken breasts
   2      teaspoons     cumin
                        salt & black pepper
                        salsa & cheddar cheese

Preparation:

In large pot heat oil on medium high. Add and saute onions and carrot until tender. Add pinto and black beans. Stir well. Add broth and cumin. Stir. Chop chicken into chunks and add to pot. Simmer 10 minutes. Season with salt and black pepper. Serve hot in bowls topped with salsa and grated cheese. Approximately 5-12 minutes.