My concerns over the Bank of England setting monetary policy comes from the way other monetary unions such as the EU already operate, the ECB in theory should treat all members of the Euro equally but in practise it will always help the stronger nations e.g. Germany or France possibly at the detriment of weaker nations such as Greece, Portugal or Ireland. Why do we think that the Bank of England will not prefer to help the south of England possibly to the detriment of Scotland? Also if your point of reference is Paul Kavanagh then is this really an unbiased opinion? "Check Hypothetical Harry go. A new currency would very unwelcome in my opinion. Some of the Yes camp (outwith the SNP) have mentioned this. They are in the minority and will have no influence. I’m guessing that you already know what the USSR’s pitfalls were. Please feel free to share your wisdom with less restraint, althought I do think it’s kind of irrelevant in the end. A vote for the SNP is a vote for the pound. Seemples." Was the personal dig at the start really necessary? You asked for questions and I asked them. I have no idea what happened with the break up of the USSR with regards to currency, it was a genuine question based on a recent change. Not all questions are loaded. As for the last statement, I thought that this referendum wasn't a 'vote for the SNP'. Statements like that show why the NO vote people assume that its only the SNP who want independence. Why would you be surprised if Scotland isn't allowed to borrow at the same rate as the UK? Credit history is built up over a long period of time, would a new state not have to earn a credit rating? Maybe they don't but I don't know that's why I asked the question.