In large dutch oven, cook onion, bell pepper and garlic in the oil until onion is transparent. Add sausage, chicken broth and seafood magic. Simmer 15 minutes. Bring to a boil and add fresh scallops, cook 4 minutes. Turn off heat. When at a simmer and add shrimp, crab and whipping cream. DO NOT LET BOIL. Add cheese - stir until melted. Serve immediately over cooked rice in bowl.