Beef with chili

1 Tbsp olive oil 2 Tbsp butter 2 pounds ground chicken or turkey 1 15 oz. can small white beans, rinsed and drained 1 carrot , chopped 1 medium onion ,[...]

1/2 lb sharp cheddar cheese 1/2 lb mild cheddar cheese (use block cheese from the deli, not slices or shredded) or 1/2 lb American cheese (use block cheese[...]