Hearty Sirloin Chili

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2 tablespoons vegetable oil

1/2 cup flour

Salt and pepper

2 pounds sirloin, bite size chunks

2 large onions, chopped

1 green bell pepper, seeded and chopped

1 red bell pepper, seeded and chopped

2 jalapenos, seeded and chopped

3 cloves garlic, chopped

2 tablespoons chili powder

1 tablespoon cumin

1 teaspoon oregano

12-ounce bottle ale

2 cups low-sodium beef stock

4 cups crushed tomatoes

2 cups canned black beans, drained and rinsed

2 cups canned kidney beans, drained and rinsed

Garnish: Shredded Cheddar, red onion, scallions, sour cream