Spray a 9x13" pan with nonstick spray. Heat the oven to 375º.
In a small bowl, combine 2 C. Bisquick with 1/2 C plus 1 T water. Pat mixture into prepared pan and partially bake for 10 minutes. Remove from oven.
In a pan, saute (in a T of olive oil): 1 med. chopped onion with a large, chopped green pepper & a clove of minced garlic. When softened, add a can (15 oz) of petite diced tomatoes. Stir, then add a Tblsp. of chili powder, 1/4 tsp. garlic powder, 1/4 tsp. ground cumin & a shake of cayenne (or more if you like things hot, hot, hot!!), S&P to taste (OR you could add a packet of taco seasoning instead of the chili & seasonings). Cook for 5 minutes. Add a can of (rinsed/drained) black beans. Spread evenly over the crust.
In a small bowl, combine 1 cup light (or 'full strength) sour cream, 1/3 cup mayonnaise and 1 cup shredded cheddar cheese and 1 cup shredded coJack cheese. Spoon this mixture over tomato layer and sprinkle lightly with paprika.
Bake, uncovered, for 25-30 more minutes.
That's IT. :)
*****(IF you are a meat lover and need meat in your meal, saute 1# of ground beef before adding the onion and pepper...... and then continue the process.)*****
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