Preheat oven to 350F.
Coat bottom and sides of a 9x9 baking pan with oil. Sprinkle in 2 tablespoons of the wheat germ, and spread evenly over the oil.
Combine 1 cup of the wheat germ, the flour, the cinnamon and the baking soda. Add up to 1 tablespoon of vegan protein powder, if desired. Stir thoroughly. Add raisins and chopped apple.
Make a well in the middle of the dry ingredients mixture. Combine orange juice and vinegar, and pour into dry ingredients. Stir thoroughly, but no more than necessary to combine ingredients. Add 1 tablespoon of molasses or brown sugar, if desired (I sometimes omit a sweetener, since the orange juice, apples and raisins produce a tangy sweetness of their own).
Turn batter into the baking pan. Bake at 350F for 30-45 minutes, or until lightly browned on top.