Cuban-Style Black Beans - yellow onions

Ingredients

• 2 yellow onions, diced
• 2 or 3 cloves garlic, minced
• 1 red bell pepper, chopped
• 2 (15 oz.) cans black beans, drained and rinsed (I use Progresso)
• 1 1/2 (14.5 oz.) cans chicken stock (I use low sodium)
• 1 tsp. ground cumin
• 2 tsp. dried oregano
• 2 bay leaves
• 1 Tbsp. fresh lemon juice
• 1/4 c. cilantro, roughly chopped
• 3 to 4 c. cooked rice (yellow or saffron)
• 1/2 c. Monterey Jack cheese, grated
• 1/4 c. low-fat sour cream (optional)