Heat oven to 375º. Pierce potatoes with fork. Bake potatoes 1 1/4 to 1 1/2
hours (or microwave on High 12 to 14 minutes) until tender. Cool just
until easy to handle.

Heat chili beans in 2-quart saucepan over medium heat until hot. Split
open potatoes; top with beans. Sprinkle with cheese, salt and pepper.
Serve with Cottage Cheese Topping. Sprinkle with bell pepper.

COTTAGE CHEESE TOPPING:

Place all ingredients in blender. Cover and blend on medium-high speed,
stopping blender occasionally to scrape sides, until smooth. Add
additional milk if necessary to achieve desired creaminess.