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2 pounds ground beef
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1 medium onion, chopped
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1 bell pepper, chopped
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1 tablespoon oil
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1 can tomatoes or crushed tomatoes
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1 tablespoon salt
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1 tablespoon pepper
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2 cups uncooked macaroni
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1 can (15 oz) pinto beans, drained
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1 can (15 oz) kidney beans, drained
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1 cup grated cheddar cheese
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Salt, pepper and garlic to taste
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