It is generally necessary for the prices of goods and services to cover their costs such as labor, materials, and capital. The costs of capital to a borrower include a return to the saver who made the capital available which includes a mark-up called a spread for the financial intermediary (capital market) bringing the saver and the borrower together. The more efficient the financial system, the lower will be the costs of intermediation. In turn, the prices of goods and services will be to consumers.