Three Bean and Beef Chili

Name: Three Bean and Beef Chili
Ingredients: 1 tablespoon olive oil; 1 onion, diced (1 cup); 1 red bell pepper, diced (1 cup); 2 carrots, diced (1/2 cup); 2 teaspoons ground cumin; 1 pound extra-lean ground beef (90 percent lean); One 28-ounce can crushed tomatoes; 2 cups water; 1 chipotle chile in adobo sauce, seeded and minced; 2 teaspoons adobo sauce from the can of chipotles; 1/2 teaspoon dried oregano; Salt and freshly ground black pepper; One 15.5-ounce can black beans, drained and rinsed; One 15.5-ounce can kidney beans, drained and rinsed; One 15.5-ounce can pinto beans, drained and rinsed