Vegetarian Chili with Panela

Ingredients

• 1 large onion, chopped
• 1 teaspoon ground clove
• 2 large carrots, grated
• 2 large zucchini, grated
• 1 cup cornmeal
• 1 teaspoon or to taste cayenne pepper
• 1 large red bell pepper
• 24 lime wedges
• 16 ounces Real California panela cheese
• 8 cloves garlic, finely chopped
• 2 teaspoons dried oregano
• 2 teaspoons ground cumin
• 2 tablespoons olive oil
• 2 quarts cooked kidney beans
• 3 cups cooked black beans, drained
• 3 cups cooked pinto beans
• 2 cups vegetable or chicken stock, or water