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                                                                    EXHIBIT 3.45

                                                                          [SEAL]

                            ARTICLES OF INCORPORATION
                                       OF
                                PK SERVICES CORP.

                                        I

     The name of this corporation is PK SERVICES CORP.

                                       II

     The purpose of this corporation is to engage in any lawful act or activity
for which a corporation may be organized under the General Corporation Law of
California other than the banking business, the trust company business or the
practice of a profession permitted to be incorporated by the California
Corporations Code.

                                       III

     The name and address in the State of California of this corporation's
initial agent for service of process is:

                                    Paul F. Kagan
                                    26340 Carmel Rancho Blvd.
                                    Carmel, California 93923

                                       IV

     This corporation is authorized to issue only one class of shares of stock;
and the total number of shares which this corporation is authorized to issue is

DATED:  July 10, 1978

                                             /s/ Paul F. Kagan
                                          --------------------------
                                             Paul F. Kagan

     I hereby declare that I am the person who executed the foregoing Articles
of Incorporation, which execution is my act and deed.

                                             /s/ Paul F. Kagan
                                          ---------------------------
                                             Paul F. Kagan

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                                                                          [SEAL]

                            CERTIFICATE OF AMENDMENT

                                       of

                            ARTICLES OF INCORPORATION

     PAUL F. KAGAN certifies that:

     1.   He is the sole incorporator of PK SERVICES CORP., a California
          corporation.

     2.   He hereby adopts the following amendment of the articles of
          incorporation of this corporation:

          Article IV is amended to read as follows:

          "This corporation is authorized to issue only one class of shares of
           stock; and the total number of shares which this corporation is
           authorized to issue is Ten Thousand (10,000). Upon amendment of this
           Article IV, there is no effect on the number of outstanding shares of
           stock."

     3.   No directors were named in the original articles of incorporation and
          none have been elected.

     4.   No shares have been issued.

                                                     /s/ Paul F. Kagan
                                                     ---------------------------
                                                     Paul F. Kagan, Incorporator

     The undersigned declares under penalty of perjury that the matters set
forth in the foregoing certificate are true of his own knowledge. Executed at
CARMEL, CA, on August 31, 1978.

                                                     /s/ Paul F. Kagan
                                                     ---------------------------
                                                     Paul F. Kagan

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                                                                          [SEAL]

                           CERTIFICATE OF AMENDMENT OF
                            ARTICLES OF INCORPORATION
                                       OF
                                PK SERVICES CORP.

     The  undersigned certify that:

     1.   They are the President and Secretary, respectively, of the following
named corporation:

          PK Services Corp.

     2.   The following amendment to the corporation's Articles of Incorporation
has been approved by the Board of Directors of the corporation:

          Article I of the Articles of Incorporation is amended to read in its
     entirety as follows:

               "The name of this corporation is Kagan Seminars, Inc."

     3.   The amendment was approved by the required vote of shareholders in
accordance with Section 902 of the California Corporations Code and the Articles
and Bylaws of the corporation. The total number of outstanding shares entitled
to vote with respect to the amendment, and the number of such shares voting in
favor of the amendment were as follows:

                         Outstanding voting shares: 100

                    Shares voting in favor of amendment: 100

The number of shares voting in favor of the amendment equaled or exceeded the
vote required.


4/18/88                                          /s/ Paul F. Kagan
- --------------                                   ----------------------------
Date                                             Paul F. Kagan, President


4/18/88                                          /s/ Florence Kagan
- --------------                                   ----------------------------
Date                                             Florence Kagan, Secretary


     Each of the undersigned declares under penalty of perjury that the
statements contained in the foregoing certificate are true and correct of his
or her own knowledge, and that this

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declaration was executed in Carmel, California, on the dates set forth below.

4/18/88                                          /s/ Paul F. Kagan
- --------------                                   ----------------------------
Date                                             Paul F. Kagan, President


4/18/88                                          /s/ Florence Kagan
- --------------                                   ----------------------------
Date                                             Florence Kagan, Secretary

certart.pks(3b)

                                                                          [SEAL]