Panera Broccoli Cheese Soup

2 tablespoons butter or margarine 1 grated carrot 1 stalk celery, chopped 1 small bell pepper, chopped 1 onion, chopped 2 tablespoons wheat flour 1 to 2 cloves garlic, minced 2 cups hot chicken broth 2 cups whole milk or half & half or whipping cream (optional) 3 to 4 cups broccoli, chopped 1 to 2 cups cheddar cheese to taste Salt and pepper