Meatloaf Muffins

1           teaspoon olive oil 
1           cup finely chopped onion 
1/2       cup finely chopped carrot 
1          teaspoon dried oregano 
2          garlic cloves, minced
 1         cup ketchup, divided 
1-1/2    pounds ground beef, extra lean (raw)
 1        cup finely crushed fat-free saltine crackers (about 20)
 2        tablespoons prepared mustard 
1         teaspoon Worcestershire sauce 
1/4      teaspoon freshly ground black pepper 
2         large eggs 
Cooking spray

 1 .  Preheat oven to 350°.

2 .  Heat the olive oil in a large nonstick skillet over medium-high heat. Add chopped onion, chopped carrot, dried oregano, and minced garlic; sauté 2 minutes. Cool.

 3 .   Combine onion mixture, 1/2 cup ketchup, and the remaining ingredients except cooking spray in a large bowl.

 4 .  Spoon the meat mixture into 12 muffin cups coated with cooking spray. Top each with 2 teaspoons ketchup. Bake at 350° for 25 minutes or until a thermometer registers 160°. Let stand for 5 minutes.