Heat oil in heavy pot. Add the chopped onions and saute 3 minutes until onions are translucent. Add chopped green peppers and saute 2 minutes, until tender. Add chili powder, cumin, granulated garlic, onion powder, red hot sauce if using, brown sugar and tomatoes; simmer 15 minutes, uncovered. Add kidney beans, bulgur wheat and water; simmer 20-25 minutes, uncovered. Add yogurt and stir to blend. Sprinkle 1/4 cup of cheese on top of each serving.