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My husband and I went to the same "seminar" by APEX. At the time they didn't even have their website up and within 5 minutes of that man talking (same talk I am sure), I started to question him. Their address was wrong and basically saw right thru them right away. This guy was so desperate he even showed us his driver's license to show he lived in Houston, TX. Unreal! And, yep, I walked out. Insulting and a waste of anyone's time. Spread the word on APEX...scammers.