Preheat oven to 350 degrees F.Grease a standard muffin pan with nonstick spray or coconut oil.In a small prep bowl, make flax eggs by combining flax meal and water. Let sit for 5 minutes while you prep the other ingredients.In a large bowl, stir together almond flour, oat flour, old-fashioned oats, cardamom, baking soda, baking powder, and salt.In another bowl, stir together the grated zucchini, grated carrots, coconut oil, maple syrup, and flax eggs. Add dry ingredients to the wet and stir until just combined.Scoop batter into muffin cups, filling ¾ of the way. Top with chocolate chips, walnuts, pecans, pumpkin seeds, or almond slivers if desired.Bake for about 25 minutes, or until a toothpick inserted into the middle of the muffin comes out clean. (I often make 12 regular muffins and a few mini muffins; mini muffins will take about 15 minutes, but all ovens vary).Let cool slightly and then remove from muffin tin with the help of a fork.