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Slice stem end off peppers. (Reserve for later use.) Remove seeds and veins from peppers. Cut a jack-o-lantern face out of one side of each pepper. Stand peppers upright in baking dish. Set aside.
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Preheat oven to 400º F.
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Heat oil in large nonstick skillet over medium-high heat.
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Add turkey; cook, stirring frequently, for 4 to 5 minutes, or until almost browned.
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Add onion; cook, stirring frequently, for 4 to 5 minutes, or until onion is translucent.
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Add garlic; cook, stirring frequently, for 1 minute.
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Add chili powder, cumin, pepper (if desired), tomato sauce, and beans; cook, stirring occasionally, for 4 to 5 minutes. Remove from heat.
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Add rice; mix well.
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Fill peppers with turkey mixture. Top with reserved stem end of peppers Add water to the baking dish. Cover with foil.
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Bake peppers for 12 to 15 minutes, or until tender-crisp.
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Remove stem top of peppers, sprinkle evenly with cheese. Bake for 2 to 3 minutes, or until cheese is melted.
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Replace tops and serve.