01 - Preheat oven to 350°F. Grease and flour a 9x5-inch loaf pan.
02 - Whisk together flour, sugar, baking powder, baking soda, salt, cinnamon, nutmeg, and cloves in a large bowl.
03 - In a separate bowl, beat eggs. Add vegetable oil, whole milk, vanilla extract, and orange zest; whisk until smooth.
04 - Pour wet mixture into dry ingredients and stir gently until just combined, avoiding overmixing.
05 - Fold in chopped nuts and dark chocolate chips if desired.
06 - Transfer batter to prepared loaf pan and level the surface.
07 - Bake for 40 to 45 minutes, or until a toothpick inserted in the center comes out clean.
08 - Let cool in pan for 10 minutes, then transfer to a wire rack to cool completely before slicing.