Slightly Smoky Mixed-Bean Chili

Ingredients

• 5 cups assorted dried beans, such as anasazi, pinto, black, aduki, pink and red, sorted and rinsed well, soaked in ample water for 3 or 4 hours with about 1 t. salt
• 1 small whole onion
• 2 fresh bay leaves
• 1 large spanish onion, chopped
• 2-3 cloves garlic, minced
• 3-4 tablespoons olive oil
• 1 tablespoon ground chili powder
• 1/4 teaspoon chipotle chili powder, or to taste
• 1 teaspoon ground cumin
• 1 tablespoon dried oregano
• 1/2 naval orange, skin and pith removed, coarsely chopped
• 1 teaspoon salt or to taste
• guacamole
• plain yogurt
• sliced scallions or minced white onions
• shredded cheddar
• fresh mild goat cheese, crumbled
• lemon or lime wedges
• rice as an accompaniment