; (2) in subparagraph (K)— (A) by inserting financial and before health care treatment ; and (B) by inserting a durable power of attorney for finances, and before a health care power of attorney ; and (3) by adding at the end the following: (M) A certification by the chief executive officer of the State that the State will— (i) ensure that each youth participating in the program under this section is provided with— (I) a financial education that helps the youth understand basic financial topics, including budgeting, managing bank accounts, interest rates, savings, credit, retirement, investment, insurance, mortgages, loans, and identity theft and protection; (II) assistance with establishing a checking account and a savings account at no cost to the youth; and (III) information about participating, and assistance with enrolling, in an individual development account (as defined in section 404(5) of the Assets for Independence Act ( 42 U.S.C. 604(5) )