c("Heat oil in 6-quart saucepan.", "Add ground beef, onions and garlic and saute  until meat is browned.", "Stir in next 7 ingredients and bring to boil over  medium-high heat. Reduce heat to medium-low and simmer, uncovered, about  45-55 minutes.", "Taste and season with salt, pepper and cayenne pepper, if  desired.", "Ladle into bowls.", "Garnish with cheese, onion and avocado, if  desired.")