Black Bean Soup with Chipotle and Toasted Cumin Seed Crème Fraîche

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Ingredients

1 tablespoon olive oil
2 medium-size red onions, chopped
1 medium-size red bell pepper, chopped
1 medium-size green bell pepper, chopped
4 garlic cloves, minced
4 teaspoons ground cumin
1 16-ounce package dried black beans
1 tablespoon chopped chipotle chiles from a can (this gives it a solid kick, dial back if you are wary)
7 cups water
2 tablespoons fresh lime juice
2 teaspoons coarse kosher salt
1/4 teaspoon ground black pepper
1 tablespoon whole cumin seeds
1 cup Mexican crema or crème fraîche (or make your own crema , make your own crème fraîche , or swap sour cream or yogurt, for a close-enough taste)
Salt and freshly ground pepper

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