1. Use butter to sauté onions and peppers in pan for ≈4 minutes. Add garlic and cook for another minute.\n2. Add all remaining ingredients except the **cheddar cheese** and **cream cheese**.\n3. Let the soup gradually come to a _gentle_ bubble, partially covered. Stir periodically.\n4. Add cheddar cheese and cream cheese. Stir to melt them into the soup.