Well George, all you say is true. Its the numpties that can't see the wood for the trees, but believe me,the difference will be crippling IMHO. If poeple are lucky enough to have up to £80,000 in their banks, their money is protected if things go t1ts up. Accounts with higher savings in them, of which there are thousands and thousands, some have been emptied and deposited south of the border to protect their money just to lessen the risk. This all has a knock on effect, as banks willl be less able to offer loans and mortgages etc to future borrowers. I have this information from 2 sources, working in 2 different banks. On a local level, we have the Trident submarine base right on my doorstep. Now you'd need to be an eejit to actually like nuclear weapons, but I dont want to be a sitting target when Salmond et al, gets rid of the weapons if they get the vote. I like to know we are protected. PLUS, it is a huge emloyer, not just locally but all over the West of Scotland on a daily basis, and Nationally, daily and weekly for Consultants and Contractors from all over the UK. This allows my town of Helensburgh to flourish, affording us bigger supermarkets, nice B&Bs for Contractors and visiting naval families, severall taxi companies, all of whom are busy, a sceond to none direct train service to Glasgo & Edinburgh, twice an hour, as well as a daily overnight service to. London. I am told that we only have a full time Fire station and crew, becase of the naval base. If all the people that would be moved away from the area, would leave us with a population that would only merit a retained service.If Salmond get rid of our base, then naval families will be moved back south, severly affecting all our local services, many of whom will without doubt, have to close. There's a saying here "We're all Jock Tamson's bairns", and that for me means all of us as a United Kingdom and I do not want that to change. So there you have it. All the changes will have a negative affect. That's only the tip of the iceberg for me. Let me be clear also, unlike a lot of Yes voters, I actually DO respect others opinions.