Heat small saute pan with a olive oil and cook chopped onion, green and red pepper (should be chopped small) for about 5 mins over med. heat. Place off to the side once cooked.

In a a med. size pot cook pasta until tender. (Make sure to season water with salt)

In another med. size pot melt butter and add flour to make paste on med. low. Cook for 1 min. Turn heat to med. and whisk in milk. (Make sure milk is at room temp.) Let milk mixture come to boil and turn to low. Mixture should take about 10 mins for thicken. Keep whisking while thickening.

Once thick, add peppers, onions, the three cheeses and all seasonings. Make sure to taste for extra seasoning needed. Note: If looking for a smoother sauce, use immersion blender to blend pepper and onions.

Next, drain pasta and put in large baking dish. Cover pasta with cheese sauce and cover with crushed Ritz Crackers. Bake at 400°F. for 10-15 mins (top is golden brown and bubbly).