3/4 lb lean ground beef or 3/4 lb diced boneless skinless chicken breast  | 
                                                2 (15 ounce) cans low-sodium black beans, do not drain  | 
                                                1 (15 ounce) can small red beans or 1 (15 ounce) can kidney beans, drained  | 
                                                1 (10 ounce) can rotel tomatoes & chilies, do not drain  | 
                                                1 (8 ounce) can tomato sauce  | 
                                                1 (1 1/4 ounce) packet taco seasoning (use regular or hot & spicy)  | 
                                                1 (1 ounce) packet ranch dressing mix  | 
                                                1/2 teaspoon onion powder  | 
                                                1/2 teaspoon ground black pepper  | 
                                                1/4-1/2 teaspoon salt  | 
                                                shredded sharp cheddar cheese, to serve  | 
                                                sour cream, to serve  | 
                                                tortilla chips, use for dipping  |