Heat oil in medium pot. Add onion, garlic, chili powder and cumin.Saute over medium heat until onion is soft, about 5 minutes. Addremaining ingredients (except garnishes) and stir. Bring to a boil,then lower heat and simmer 20 minutes or until vegetables are soft.Add more liquid if needed.Serve alone or over rice (preferably brown). Garnish if desired withany of the following: reduced-fat cheddar cheese, onion, fat-freesour cream, guacamole, fresh cilantro.