Nancy's Sausage and Mushroom chili

from: Nancy Powell

1/4 c. butter
1/4 c. flour
1 1/2 c. chicken broth
2 c. half and half- I use fat free, can't tell the difference
1 1/2 t. chili powder
1 t. cumin
1 t. Italian seasoning
1/2 t. salt
1/2 t. pepper
1 medium onion, chopped
1 lb. Italian sausage
2 c. sliced mushrooms
2 cloves minced garlic
3 cans navy beans (drained)
1 1/2 c. Monterey Jack cheese, shredded
1/4 c. sliced green onions

Melt butter and whisk in flour, over med-high heat. Gradually add chicken broth and half & half. Whisk constantly so it doesn't stick. Simmer until thick. Remove from heat and let sit while you cook sausage and onions. Once the sausage is cooked through add mushrooms and garlic. Let mushrooms cook down until they are pretty soft. Pour half and half mixture over the top and add all the spices and remaining ingredients. Let simmer at least 30 minutes or all day. Enjoy.