Harvest Moon Pancakes

Ingredients

• 1 3/4 cups low-fat milk (add 2 Tbsp lemon juice) or 2 cups buttermilk (skip to eggs and melted butter step)
• 2 cups whole wheat pastry flour (not bread flour)
• 1 tablespoon sugar
• 2 teaspoons double-acting baking powder
• 1/2 teaspoon salt
• 1/2 teaspoon ginger
• 1/2 teaspoon cinnamon
• 2 eggs
• 2 tablespoons unsalted butter (melted and cooled slightly)
• 1 medium carrot, grated
• 1 small apple, chopped very small (with skin)
• 1/3 cup walnuts, chopped