2 to 4 tablespoons olive oil
2 cups chopped onion
1/2 cup chopped celery
1/2 cup chopped carrot
1/2 cup seeded and chopped red bell pepper
4 cups cooked black beans
2 cups vegetarian stock or water
2 tablespoons minced garlic
1 cup chopped tomatoes
2 teaspoons ground cumin
4 teaspoons chili powder, or to taste
1/2 teaspoon oregano
1/4 cup chopped cilantro
2 tablespoons honey
2 tablespoons tomato paste
Grated onion, grated Monterey Jack cheese, and sour cream or yogurt, for garnish.