Preheat the oven to 350 degrees. Butter and flour a baking pan about 9x12x2 inches.
Cream the butter and both sugars until fluffy. Add the eggs and beat until well mixed. Add the baking powder, baking soda, and salt, and mix to combine. Add all-purpose flour and mix. Add the whole-wheat flour and wheat germ, and mix until just combined. With a rubber spatula, fold in the grated ginger and carrots. Turn into the prepared pan and smooth with a rubber spatula. Sprinkle the pine nuts over the top of the batter and bake until golden brown, when a tester inserted in the center comes out clean, about 25 to 30 minutes.
Remove from oven and cool on a rack.
Makes 12 servings
CREAM CHEESE FROSTING:
Cream the butter and cream cheese until fluffy. Add the vanilla and mix to combine. Add the powdered sugar and mix until smooth.
Makes about 2 cups