Combine all ingredients (except garnish) in a large stock pot. Cover and cook 3-4 hours on low heat until beans are very soft. (This can be done also by cooking overnight on low) When beans are done, puree in a food processor. (Be very careful with the hot liquid...) Place beans back in pot and thin to desired consistency w/ extra beef or chicken broth. Taste for salt. Garnish with crispy tortilla chips, grated Monterey Jack cheese, chopped green onions and jalapenos.