; and (ii) that may be in a partnership with a community group, financial institution, or another educational entity. (B) Demonstrated expertise In this paragraph, the term demonstrated expertise includes expertise demonstrated through post-program performance data (such as post-program review by parents, teachers, and students that shows demonstrated learning and efficacy of program, and post-program student work-product that demonstrates real learning). (3) Personal finance topics The term personal finance topics includes bank accounts, credit union accounts, credit and debit cards, online banking, mobile payment services, student loans, taxes, mortgages, credit reports, debt management, investing, lending, retirement planning, trade-offs, the power of compound interest, and saving. (4) Secondary school The term secondary school has the meaning given such term in section 8101 of the Elementary and Secondary Education Act of 1965 ( 20 U.S.C. 7801(45) ), and includes a home school that provides secondary education, as such terms are defined under State law. (5) Secretary The term Secretary means the Secretary of Education.