
1. In a large oiled saucepan over medium heat, brown ground beef.
2. Add onion and pepper; cook until onion is translucent and pepper is softened. Drain off fat.
3. Add ketchup, water, chili powder, beans, and salt and pepper to taste. Stir well to combine; simmer for an hour, stirring occasionally.
4. Spoon into bowls; top with grated cheddar if desired.
Serves 4-6.

