Ingredients

• 4 vine-ripe tomatoes, seeded and chopped
• 1 -2 jalapeno pepper, seeded and chopped (adjust to your heat level)
• 1 small white onion, chopped
• 1/4 cup cilantro leaf, finely chopped
• 1 tablespoon extra virgin olive oil
• 2 garlic cloves, chopped
• 1 small onion, chopped
• 1 jalapeno pepper, seeded and chopped
• 1 lb ground sirloin
• 1 teaspoon salt
• 1 1/2 teaspoons dark chili powder
• 1 1/2 teaspoons cumin
• 2 teaspoons Frank's red hot sauce (or up to 1 T., adjust to your heat level.)
• 1 (15 ounce) can black beans, drained
• 2 tablespoons flour
• 2 1/2 cups monterey jack pepper cheese, shredded
• sour cream
• 2 tablespoons butter (I use unsalted)
• 2 cups whole milk
• 2 (13 ounce) bags corn tortilla chips, I like to use 2 different colors, ie. 1 bag yellow and 1 bag blue corn chips