Ingredients

• 2 tablespoons cumin seeds

• 2 tablespoons chili powder

• 1 tablespoon paprika

• 2 teaspoons dried oregano, preferably Mexican

• ½ teaspoon cayenne pepper

• 3 teaspoons neutral oil, such as canola or avocado, divided

• 1 pound beef round, trimmed, cut into 1/2-inch chunks

• 3 onions, chopped

• 1 green bell pepper, seeded and chopped

• 6 cloves garlic, finely chopped (2 tablespoons)

• 2 jalapeño peppers, seeded and finely chopped

• 8 sun-dried tomatoes, (not packed in oil), snipped into small pieces

• 2 dried ancho chiles, seeds and stems removed, snipped into thin strips (optional; see Note)

• 12 ounces dark beer, such as porter or stout

• 1 28-ounce can plum tomatoes, with juices

• 1 tablespoon grated unsweetened chocolate

• 1 teaspoon sugar, or to taste

• 2 bay leaves

• 2 cups water

• 1 19-ounce can kidney beans, rinsed

• 1 19-ounce can white beans, such as Great Northern, rinsed

• 1 19-ounce can black beans, rinsed

• 1/4 cup chopped fresh cilantro, (optional)

• 2 tablespoons lime juice

• Salt & freshly ground pepper, to taste

• Nonfat plain yogurt, chopped scallion greens and shredded sharp Cheddar cheese, for garnish