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1. Add olive oil to stockpot. Heat oil over medium heat.
2. Stir in chopped onion, chopped red pepper, chopped green bell pepper, chopped jalapeno pepper and minced garlic. Sauté until onion is soft.
3. Stir in beer.
4. Stir in diced tomatoes, black beans, dark red kidney beans, ground cumin, chili powder, hot pepper sauce, salt, and refried beans.
5. Reduce heat to low and simmer 15 minutes.
6. Add a splash of cold water to thin, if desired.
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