Preheat oven to 350°F. Grease and line 1 loaf 9x4 Pullman loaf pan (or 2 small loaf pans).
Mix dry ingredients in Bowl 1 and wet ingredients in Bowl 2.
Combine wet and dry by folding until combined, then fold in carrots, pineapple, and nuts/raisins if using.
Bake for 1 hour until a toothpick comes out clean.
Cool, frost with vanilla bean cream cheese frosting, and enjoy.
Tip: Freeze before slicing for clean cuts.
