three bean veggie chili

Name: three bean veggie chili
Ingredients: 1 small onion, finely diced; 4 small whole carrots, sliced into thin rounds; 4 small stalks celery, (the dainty leafy ones), thinly sliced; 2 cloves garlic, finely diced; 1 to 2 tablespoons tablespoons good chile powder; 1/2 tablespoon cumin; 1 teaspoon Mexican oregano; 1/4 teaspoon crushed red pepper; 1 tablespoon tomato paste; 1 flour; 8 ounces plain, unsalted tomato sauce; 10.5 ounces garbanzo beans, drained and rinsed; 15.5 ounces black beans, drained and rinsed; 15.5 ounces chili beans, NOT drained or rinsed (I like Ranch Style brand); 16 ounces water (I just fill the chili beans can up to the top); 1 small zucchini, cut into quarters and thinly sliced; spring onions, thinly sliced; cotija cheese, crumbled