Nachos recipe

2 bags corn tortilla chips by 50 percent colors or different flavors, for example blue corn, red corn, yellow corn, lime flavored, chili flavored or black bean chips -- pick 2 favorites
4 vine ripe tomato plants, seeded and chopped
1 jalapeno pepper, seeded and finely chopped, for medium to hot heat level
1 small white-colored onion, chopped
1/4 cup, 2 handfuls, cilantro leaves, finely chopped -- substitute parsley if cilantro isn't the way you like
1 tablespoon extra-virgin essential olive oil
1 pound ground sirloin
2 cloves garlic clove, chopped
1 small onion, chopped
1 jalapeno pepper, seeded and chopped
1 teaspoon salt
1 1/2 teaspoons dark chili powder
1 1/2 ground cumin, half a palmful
2 teaspoons to at least one tablespoon red pepper cayenne sauce, providing you with medium to hot heat level

1 can black beans, 15 ounces, drained
two tablespoons butter
two tablespoons all-purpose flour
3/4 pound pepper jack cheese, shredded, a couple of 1/2 cups