Preheat oven 400F. Lightly spray a large cookie sheet with non-stick cooking spray. Combine flour, wheat germ,baking powder, spices, baking soda & optional salt. Cut in the margarine until mixture resembles coarse crumbs. Add combined apple, milk, and honey, mixing until dry ingredients are moistened.
Turn dough out onto lightly-floured surface; knead gently 5-6 times. Pat dough into a 9-inch circle. Mix together topping ingredients (1 tbsp wheat germ, 1/4 tsp cinnamon, and 1 tbsp sugar or splenda) Sprinkle over dough.
Cut dough into 10 wedges. Place 1/2-inch apart on prepared Cookie sheet. Bake 16-18 minutes,or until golden brown