6 Raising money through retail savings will add value over a complete cycle, whether or not the Government needs to borrow on both the wholesale and retail markets. In practice, the gilts market is normally better placed to cope with changing financing requirements compared with National Savings through the retail market. Therefore, to provide the basis for efficient operations and business planning in a competitive market, the Treasury expects National Savings to plan on the basis of at least maintaining its real level of deposits even in the event of declining government financing requirements.