Super Nachos

Here is another Rachael Ray recipe, and I'm totally addicted to it! I'd probably have it every day if my family didn't mind.
Beef and Beans Topping:
1 Tbsp olive oil1 lb ground meat (I like turkey)
2 cloves garlic, minced
1 sm. onion chopped
1 jalapeno pepper, seeded and chopped
1 tsp. salt
1 1/2 tsp. dark chili powder
1 Tbsp. cumin
2 tsp. cayenne pepper sauce (add more if you like it hot)
1 15 oz can black beans, drained

Cheese Sauce:
2 Tbsp. butter
2 Tbsp. flour
2 cups milk
3 c. pepper jack cheese, shredded (I actually use whatever cheese I have on hand)

Heat a skillet over med. high heat. Add oil, garlic, onion, and peppers to the pan, and saute 2 minutes, then add meat and crumble with wooden spoon. Season meat with salt, chili powder, cumin and cayenne pepper sauce. Cook meat 5 minutes, then stir in beans and reduce heat to low.
In a med. sauce pot, melt butter and add flour to it. Cook flour and butter 1-2 minutes over moderate heat, then whisk in milk. Whn milk comes to a bubble, stir in cheese. Remove cheese sauce from the heat.
Spread some tortilla chips out, put beef and bean mixture on and top with cheese sauce. Sooooo good! Top with guacamole, sour cream, or whatever you feel like.