heat oil in large skillet, saute onions, garlic and both peppers until onion is transparent about 10 minutes. add everything down to salt and pepper. simmer until liquid evaporates, stirring frequently. about 20 minutes. pour mixture into food processor. add rice and process to combine well. cover and refrigerate until chilled. shape bean mixture into patties about a 1/4 cup each. dust lightly with flour. use remaining tablespoon of oil to fry over medium heat. fry until crisp. serve with salsa.