; (3) include content that is appropriate to age and socioeconomic levels; (4) develop programs based on educational standards, definitions, and research; (5) include individual goals of financial independence and stability; (6) establish professional development and delivery systems using evidence-based practices; (7) address the needs of one or more at‐risk populations; (8) incorporate sensitivities to specific cultural, linguistic, or demographic characteristics; (9) enhance opportunities for asset building, such as increasing savings for lower income households and investments into the stock, bond, and real estate markets; (10) include an evaluation component to ensure the work’s effectiveness in increasing financial literacy or consumer access to appropriate financial products or services, or that the provider has evidence of such effectiveness; (11) promise future replication or can be sustained beyond the program period; and (12) will make effectiveness data (if any) that is generated from the work available to others in the financial education community. (d) Application and evaluation standards and procedures; distribution criteria The Director shall establish application and evaluation standards and procedures, distribution criteria, and such other forms, standards, definitions, and procedures as the Director determines to be appropriate. (e) Content delivery An eligible institution receiving a grant under this section shall— (1) ensure that content is delivered in an accessible way to young people, through traditional educational methods and digital methods, including over appropriate social media platforms; and (2) to the extent content is delivered through a website, ensure that the website is user friendly, visually appealing, and doesn’t bombard users with dense content that is difficult to comprehend. (f) Grant amounts (1) In general The aggregate amount of grants made under this section during any fiscal year— (A) shall be at least $27,500,000