1/2 c Toasted wheat germ plus a

Little for dusting the cups 2 c Unbleached flour

1 tb Baking powder

2 ts Cinnamon

1/2 ts Salt

1 Large egg

1/2 c Lightly packed brown sugar

1 1/4 c Milk

1/4 c Unsalted butter, melted, or

Flavorless veg. oil 1 Large apple, peeled, cored

And grated 1 c Chopped walnuts

1 1/2 c Oat and brown sugar crumb

Topping (recipe follows) Butter 12 muffin cups and sprinkle a litle wheat germ into each one. Tap the muffin pan on all sides to spread the wheat germ around. Preheat oven to 400 degrees. In a large bowl, combine the flour, wheat germ, baking powder, cinnamon and salt. Whisk the egg and brown sugar in a seperate bowl. Whisk in the milk. Make a well in the dry ingredients, add the liquid including the melted butter and stir to blend. When a few streaks of dry are still visible, fold in the grated apple and walnuts. Divide the batter evenly among the muffin cups. Scatter a good amount of crumb topping over each muffin and bake for 22 minutes. Cool the muffins in the pan on a rack for 3 minutes, then pop them out and serve hot. -----