Cook dry beans to tender, adding 1-3 teaspoons salt to water (or use canned beans).
Heat oil in 1 1/2 gallon (6 quart) pot over medium to low heat.
Add onion, cook for 3-5 minutes
Add green or red pepper, cook 3-5 minutes
Add celery and garlic, cook 3-5 minutes, stir occasionally.
Add remaining ingredients to cooked vegetables.
Cover pot and simmer for 1 to 2 hours. (Crockpot – Low 4-12 hours.)
Remove bay leaf.
Serve hot with additional jalapeño sauce.
Top with Swiss or mozzarella cheese, if desired.
Freeze half to serve another time.