16 September 2014
Have the pro-Union parties concluded they must be more upfront about new powers for Scotland?
Both sides in the Scottish independence referendum debate seize on a pledge by the three main Westminster parties to devolve more powers.
Two men die as a helicopter on its way from Scotland to Humberside Airport crashes into the sea off the East Yorkshire coast.
Four men appear in court charged with attempting to murder two former leaders of the loyalist Ulster Defence Association.
St Andrews University academic Nathan Bailey sentenced to community service for causing M9 death crash.
The 16th Century Highland castle repossessed from former Rangers owner Craig Whyte by the Bank of Scotland is sold.
Alex Salmond is quizzed on claims his predictions for North Sea oil recovery are too high.
Opinium/Daily Telegraph poll of more than 1,000 Scots shows "No" ahead with 52% of the vote and 48% for "Yes" with one day to go.
With the undecideds included, the split was 45% Yes and 49% No and 6% Don't know.
ICM/Scotsman Indy ref poll indicates:
No 45%, Yes 41%, with 14% undecided (No leads 52 to 48 without undecideds)
David Dimbleby questions two of the key protagonists of the referendum debate at 21:00.
First Minister Alex Salmond and former Prime Minister Gordon Brown join him on Scotland Decides.
At 21:00, Radio 1 will host its Big Conversation on the Scottish independence referendum.
Hosts Edith Bowman and Chris Smith join young voters and Danny Alexander MP from the Better Together campaign and Humza Yousaf MSP from Yes Scotland.
Labour will address "under-funding" of the Welsh government if it wins next year's general election, First Minister Carwyn Jones has assured AMs.
The three main UK party leaders have pledged to keep the current funding system for the devolved governments.
In a letter in a newspaper they promised to keep the Barnett formula if there is a Scottish no vote this week.
But Mr Jones said Mr Miliband had "made it clear" he would deal with Wales' funding issue if he wins office.
About 1,500 pro-independence supporters bearing Saltire flags, badges and blue campaign T-shirts are taking part in a rally in the heart of Glasgow.
Rank-and-file Yes supporters have been using megaphones in George Square to declare "This is our time" and chant "yes, yes, yes, yes".
Some of the crowd have been singing Flower of Scotland and songs by The Proclaimers.
It follows a pro-Union rally held in central London on Monday.
Today's referendum round-up is brought you by the words vow, scrum, cupcake and photo-bomb. Read it here.
As the polls narrow in the Scottish independence debate, banks, investors and economists have been ramping up their warnings about the potential investment and economic impact a break-up of the United Kingdom could have.
But some commentators believe that, while all the uncertainty surrounding the details of separation may have negative economic consequences in the short term, an independent Scotland could be financially viable in the longer term.
Spain's Europe Minister told the BBC that an independent Scotland would have to wait years to join the European Union. Inigo Mendez de Vigo, also claimed during an interview on Newsnight that a post-Yes Scotland would have to adopt the Euro if it was an EU member.
The Yes campaign wants to keep sterling, and has insisted that Scotland would be welcomed into the EU after independence. A spokesman for Yes Scotland said: "After a Yes vote, the Scottish government will have discussions with the Westminster government and the EU to agree a smooth transition to full membership on the day Scotland becomes an independent country in March 2016."
But Scottish Conservative MEP Ian Duncan said: "The Scottish government has to be honest with the people of Scotland and answer this question - why would European Union member states such as Greece or Spain allow an independent Scotland to opt-out of the Euro, when they are obliged to use it as currency?"
Alex Salmond told the BBC's Jackie Bird: "We are not aiming for a majority of one, as the underdogs in this campaign to secure every possible vote to persuade our fellow citizens that this is the opportunity to take Scotland's future into Scotland's hands.
"In terms of challenges, of course we will have challenges, every country does. The point about independence is having the powers and the ability to overcome these challenges."
Mr Salmond repeated that Scotland would use the pound after independence.
He said: "We think there will be a currency union because the mandate of the Scottish people is going to be for that and, of course, it is in the best interests of Scotland and the rest of the United Kingdom."
Mr Salmond added: "We are going to have a common sense agreement on a common currency and the Bank of England will be the shared Central Bank. That's our proposal."
First Minister Alex Salmond said: "If the No campaign's argument is that we should increase taxes so we can compensate for the Tory cutbacks at Westminster we end up paying for the health service twice.
"Far better if we are going to cut things, let's cut Trident missiles or the House of Lords or the House of Commons.
"This underlines the point. To control the health service you have to control the finance and the administration. That's why it is safe in an independent Scotland and under-pressure as long as we remain under Westminster control."
Alex Salmond told Reporting Scotland: "All that money from health service savings is reinvested in the budget, which is why it is increasing in real terms and will continue to do so across this year, next year and the year after in terms of frontline budget."
Scotland's First Minister Alex Salmond told BBC Scotland's Reporting Scotland programme there were no cutbacks to the health service.
He said: "They are not cutbacks, they are cost-pressures in the health service. What are these cost pressures? The vast majority of them, that's the pensions, the withdrawal of the National Insurance rebate, are money that our health service is going to have to pay for Westminster to the Treasury because of changes they have made in how the health service is funded.
"So we are going to have to give money to the Westminster exchequer, of course that creates pressures but how much better would it be if we had the finances of the health service in Scottish hands?
"Let me repeat, there will be no decrease in the health service budget."
Mr Darling concluded his interview by defending the Better Together campaign, which has seen a comfortable lead in the polls decline in recent weeks.
He told Reporting Scotland: "Having visited places up and down Scotland, having talked to countless numbers of people, what I do know is people want change. There are two competing visions of change."
Mr Darling also hit out at the Yes campaign for the amount of unanswered questions with only two days to go until the vote.
He said: "There are huge, unquantified risks, unanswered questions. Two days before the referendum, and we still don't know what is going to happen with jobs, with firms moving their headquarters south of the border, who is going to pay pensions, what is going to happen in Europe, what currency we will be using.
"All those risks are massive risks to families, to people's standards of living, and our ability to fund things like the health service."
Mr Darling argued: "People used to say before 1997, before the then Labour government legislated to set up the Scottish Parliament, they said: 'Oh it will never happen, you will never get it through'. Well, we did and since then its powers have been further strengthened. "
On Reporting Scotland, Mr Darling said: "They (voters) are faced with a choice between having a secure Scottish Parliament which you can set up faster in a more secure way, a better way of proceeding than years of uncertainty that would follow trying to negotiate the break up of the United Kingdom never mind the complications with Europe and so on."
He added: "My argument is you can have a strong Scottish Parliament within the United Kingdom that secures funding for things like the health service, but if it wants to raise more money to put into the health service it can do so. Either way it has got complete control over the health service."
The leader of the Better Together campaign Alistair Darling has defended the pledge to offer more devolved powers to Scotland and criticised the SNP on the NHS.
In an interview on Reporting Scotland, he said: "They (the yes campaign) are bound to have a go at a policy that they know the majority of people in Scotland want. I think most people in Scotland want to have a Scottish parliament with strengthened powers, being able to raise money to put in the health service for example.
"We know it is an issue that is of key concern to voters in the referendum, especially on a day when we find out the Scottish government is planning on taking £450m out of the health service budget and they weren't going to tell us until after the referendum. We only find out because someone has leaked documents."
Tom Gordon from the Sunday Herald told the BBC that the city of Glasgow was crucial to the independence vote.
He said: "It has long been said that the road to independence runs through Glasgow and that's for a number of reasons.
"One in nine voters in Scotland lives in this city and there are two other big groups of people - Labour supporters and people who just don't vote, there were five constituencies in Scotland where turnout was below 40% and they were all in Glasgow.
"So if the Yes campaign can crack Glasgow, if it can convert Labour supporters and motivate non-voters, they are probably on to a winning formula for the rest of Scotland as well."
In the latest from Radio 5 Live, we meet the Nhilzyo family - with mum and son voting No, and dad and daughter voting Yes.
Meanwhile, 5 Live's Chief Political Correspondent John Pienaar reflects on the influence of former Prime Minister Gordon Brown on the referendum campaign, explains the Barnett Formula and questions what Trident could look like in a Scotland with more devolved powers.
Yes supporters have turned out for a rally in Glasgow's George Square.
Many Tory MPs that I have spoken to today are angry - angry that the Prime Minster has put the union at risk, angry that he is offering Scotland so much. If Scotland votes Yes, some will demand David Cameron's head. If Scotland votes No, they will demand more powers for the English.
David Cameron says he is not remotely at the stage of thinking about an English Parliament but some in his party are ready to go into battle for one. The debate about self-determination in Scotland is almost over, in England it has only just begun.
Ed Miliband accused the pro-independence campaign of "ugly" tactics after campaigners hurled abuse at him in chaotic scenes during a visit to Edinburgh.
Mr Miliband told the BBC: "I think we have seen in parts of this campaign an ugly side to it from the Yes campaign.
"I think debates should be conducted in a civilised way, I think that's very, very important, but I understand that passions run high.
"What I've enjoyed about this campaign, including today when I get the chance, is meeting people who are genuinely undecided."
It is an intriguing element to this last couple of days. On the issue of plausibility, those who support independence say this cannot be guaranteed to go through. They say in the event of a No vote, the atmosphere would change, that there are grumbling Conservatives on the backbenches of Westminster who distrust new powers for Scotland.
Supporters of this plan say that all of that is trumped by the fact that it is the three big parties at Westminster - Conservatives, Liberal Democrats and Labour - jointly agreeing to put this forward.
Referendum Tonight on BBC Radio Scotland is your late night round-up of the day's events from the campaign.
Andrew Black will be looking back on today's stories, speeches and debates and looking ahead to what we can expect from the final day of campaigning.
We'll also have perspectives on the debate from Iceland and from Ayrshire.
Referendum Tonight is on 810 medium wave and on digital radio between 23:00 and midnight.
Over 60% of adults in England and Wales think Scotland should remain part of the union, a new poll has revealed.
The TNS poll asked 1124 people over the age of 18: "Do you personally think that Scotland should become an independent country?"
18% said Yes, 63% said No and 19% said Don't Know.
55% of those who took part in the poll say they care about the outcome of the referendum, while 47% say Scottish independence would have no impact on their lives.
There have been a number of Conservative MPs at Westminster who are a little bit perturbed - let's put it no more strongly than that.
They are a little bit perturbed that they see these extra powers being offered to Scotland when it has not been discussed in the Westminster parliament and they think that not enough consideration has gone into this.
That said there are some MPs, such as the Labour MP Graham Allen, who has done a great deal of work on looking at constitutional change - in fact he heads a select committee at Westminster which looks at constitutional change.
When I was speaking to him this afternoon he said he believes that the extra powers which are being offered to Scotland are a very good thing because he thinks it will lead to extra devolution throughout the rest of the United Kingdom.
Scottish Health Secretary Alex Neil told the BBC that the reported £400m to £450m in cuts to the Scottish health service was "not being contemplated".
He said: "What is being contemplated are 3.5% efficiency savings so that we prioritise where we spend the money. So any money saved will be reinvested in the frontline services of the NHS in Scotland.
"We have been doing that for years. They have been doing it down south but they don't reinvest the money in frontline services. We do."
The Scottish Government's Health Secretary Alex Neil told BBC News: "We have not been lying to people at all.
"We are not going to be cutting the NHS budget. We have passed a budget for this year and we have published a budget for next year and both of those show a substantial increase in spending for the NHS.
"We are under pressure because of the cuts in London, which is why the budget for the NHS should be set in Scotland and not determined as a percentage of the health budget in England."
There are very few specifics in this pledge but I think it is more important that it is the three leaders signing a pledge which is on the front page of the Daily Record newspaper this morning.
That gives them very little wriggle room if there is a No vote to try and in any way resile from that in the future.
Scottish Labour MSP Jackie Baillie told BBC News: "Just imagine if you woke up on Friday having voted Yes to then be confronted by a substantial package of health service cuts delivered by the SNP."
She added: "What we are promising, if people vote No on Thursday, is a package of powers that is far safer than risking independence. Within those powers is the power to raise income tax. I am genuinely of the view that guarantees the funding of the NHS."
Labour's Jackie Baillie told BBC News: "What we have seen today is the SNP's biggest lie of the entire referendum campaign completely exposed.
"They make claims that you have to vote Yes on Thursday to protect the NHS yet quietly in secret back-deal rooms across Scotland what we have is the SNP secretly planning £450m-worth of cuts.
"That's cuts to frontline services. That's emergency services in my local hospital and in hospitals across Scotland."
Yes campaigners Business for Scotland say they have reached "a membership milestone".
The organisation said 500 more people had signed a declaration backing its stance in the past month, bringing the total to more than 3,000.
Recent signatories, it said, included Airlink founder John McGlynn, EnerMech chief executive Doug Duguid, Aberdeen businessmen Mike Wilson of Epic Group and Allan Porter of the Searoute Group.
BBC producer Scott Holdaway tweets: Tea and #indyref talk with Esraa at Popeyes in Portobello.
Perhaps it might help if we took a little look at the pledge of more powers set out by the pro Union parties today.
The one that was trailed last night by Gordon Brown and covered on the telly and the wireless.
Firstly, it would appear to confirm the prime minister's acknowledgement that any notion of deferring the issue of more powers - conceptually if not yet in agreed detail - has been abandoned.
No more talk of settling the question of independence then turning to more powers. The pro-Union parties have seemingly concluded that they must be more upfront, now, about their plans.
On BBC Scotland's Newsdrive from 1700 - Reaction to promise by main UK party leaders to devolve more powers to Scotland, if there is a "No" vote
Scotsman senior reporter Martyn McLaughlin tweets: ICM #indyref poll for The Scotsman will be published at 9pm tonight
Severin Carrell of the Guardian tweets: .@Ed_Miliband forced to abandon #Edinburgh shopcentre walk-about in chaotic scenes: media, protesters & Labour crush
Daily Mail political editor James Chapman tweets: "Bow down to Miliband, your imperial master! Yes, yes, yes," Yes crowds cry. Chaos as Lab leader tours Edinburgh shopping centre #indyref
Ed Miliband had to abandon planned media interviews in Edinburgh's St James Shopping Centre when he was surrounded by a "melee of pro and anti independence supporters", according to the BBC's Norman Smith.
It looks like voters in the referendum could enjoy a warm walk to the polling stations.
Keep up to date with the latest weather forecast for Thursday via BBC Weather.
There have been chaotic scenes in Edinburgh city centre as the Labour leader Ed Miliband attempted to do a walkabout amongst shoppers.
Mr Miliband was surrounded by a melee of pro and anti independence supporters as he tried to walk through the St James shopping centre in Edinburgh.
Planned interviews with the media had to be abandoned amidst the scrum.
Mr Miliband played down the scenes as he struggled to meet any voters. He eventually had to be escorted out of a rear exit of the shopping centre.
Another hectic day in the referendum campaign across the country.
Catch the latest updates via Newsdrive on BBC Radio Scotland now.
Could the weather have a role in the referendum outcome? And would bad weather harm or favour one side more than the other? The BBC's Louise Sayers finds out.
Karl, southern Iraq: I live on Tiree, Inner Hebrides, when not here. We now have a united Iraq, why does Scotland even contemplate breaking its unity with UK, it is mad.
James, Glasgow: Yes won't be easy, of course it won't, but a bit of change is not scary enough for me to meekly accept all the flaws that we accept if we stay in the UK. We are a broken country, we are not at our best and Westminster is the cause of that, not the solution.
Catalan language newspaper El Punt Avui has called Scotland's referendum process a "universal model".
In an opinion piece titled "Scotland: An enviable example" the Barcelona-based paper says: "The Scottish process must from now on serve as a universal model to follow by other nations with similar aspirations.
The article concludes: "No, Catalonia is not the same as Scotland, something which we know and lament, but the objectives are perfectly compatible as is the legitimacy of the aspirations of their respective citizens."
In the latest Daily Question, BBC Scotland's Economics Correspondent Colletta Smith asks how the Scottish independence referendum is affecting the markets.
An artist has set up his own "Scottish Border Agency" checkpoint near Jedburgh.
Manchester-based Jon Parker Lees and a group of colleagues set up the spoof checkpoint "to try and take some of the anger out of the debate". He said: "We're not making a point for either side. We've staged this together as a group of Scots and English."
More than 10 million interactions about the referendum have been logged in a five-week period, according to Facebook.
The company's figures, covering 1 August to 8 September, suggest the "Yes" campaign has a narrow lead in terms of discussion.
They cover comments, posts, likes and shares and 85% of them came from Scotland.
Facebook is introducing a function that allows users to tell friends after they have voted in the referendum.
The Daily Telegraph reports that Prime Minister David Cameron faces a Tory "bloodbath" over further devolution.
The article follows comments from Tory MP Christopher Chope on the BBC's The Week in Westminster in which he said there may be enough Tory MPs to block any additional powers going to the Scottish Parliament following a "No vote".
SNP MP Angus Robertson said: "The Westminster revolt against any more powers for Scotland is up and running, and exposes the utter deceit at the heart of the No campaign that additional powers would follow a No."
Leaders of the Confederation of British Industry (CBI) have appealed to voters in Scotland to reject independence.
The heads of the business lobbying group's regions and nations council network and the organisation's president Sir Mike Rake said staying in the union was the best way to grow the economy.
The CBI represents 190,000 businesses, which employ about seven million people.
A leaders' statement said: "We want Scotland to stay in the United Kingdom and hope you vote to do so. We believe that the prosperity of all people in the UK would be best-served by Scotland remaining part of it."
The Press and Journal tweets: Scottish independence: Craft beer drinkers vote 'Yes'.
A pledge by the three Westminster leaders to keep the funding system for Scotland, Wales and Northern Ireland has been criticised by Plaid Cymru.
A letter from David Cameron, Ed Miliband and Nick Clegg in the Daily Record pledged to retain the Barnett formula in the event of a "No" vote.
Under the system, Scotland gets more spending per head than the UK average.
Plaid Cymru leader Leanne Wood said the formula, determining how public cash is distributed, is unfair to Wales.
tweets: Barnstormer by GB. AS 'can ignore some of the warnings some of the time. But not all of the warnings all of the time'
Also visiting Lewis ahead of the Scottish independence vote has been Radio 5 Live's Nicky Campbell.
He asked islanders how they feel about their identities and if this would affect their final decisions.
'Scottish, British or Hebridean?' is available here.
Former prime minister Gordon Brown has been accused of "a spectacular own goal" over future funding of the NHS.
Mr Brown said on Monday that new powers for the Scottish parliament in the event of a No vote must guarantee the power to spend more on the NHS if that is the wish of Scottish people.
Health minister Alex Neil insisted Mr Brown had "inadvertently made the case for independence".
He said: "If Westminster parties say that there should be an increase in taxes, they must say now which taxes and by how much.
"We believe it would be far better to protect Scotland's budget before the Tories get the chance to cut it in the first place."
Have to admit just accepted a Scottish tablet from lady in Yes office, Clydebank. Nanosecond impartiality lapse. Yes ppl are having fun.
Dawn and Craig Cameron email: It's already the British AND IRISH Lions. New name may be a little lengthy but at least this is one concept already proven. Never know, we may even get some Scottish players picked next time.
Julie Ford email: Currently care for older people is free if you live in Scotland, however this is not the case in England (there is a means tested assessed charge), how will this change if there is a YES vote? It is my understanding that the UK government currently subsides this free care?
The boss of the energy company which operates Scotland's two nuclear power stations has told staff of continuing uncertainty about what independence would mean for the power sector.
EDF Energy's chief executive Vincent de Rivaz said the company is not "policy neutral" and it is his responsibility to defend its interests.
In an email sent to employees across the UK, Mr de Rivaz lists the key questions which will face the company in the event of a Yes vote.
They include the regulation of the nuclear industry, the future of Britain's single electricity market and who would pay for the eventual decommissioning of the power stations at Hunterston and Torness.
Energy minister Fergus Ewing said the Scottish Government has already set out its position on the issues raised.
"Polling analyst and political gambler" Mike Smithson (@MSmithsonPB):
New post. Why Ipsos-MORI's final #IndyRef poll could be the one to watch out for tomorrow night http://bit.ly/1uF8sDA
The Press and Journal reports: "SNP environment minister Paul Wheelhouse and Scottish Green Party co-convener Patrick Harvie announced yesterday that an independent Scotland will bid to hold the annual UN climate talks.
"The annual talks bring together world leaders and diplomats with climate experts to help tackle climate change.
"This year's talks will take place in Lima, Peru, in December."
Deputy First Minister Nicola Sturgeon has said a Yes vote on Thursday will help Scotland "secure jobs and opportunities for our young people" for years to come.
On a visit to Steel Engineering in Renfrew, she said the powers of independence would prevent people having to leave Scotland to find work.
She said: "If we have our hands on the levers of economic decision-making, if we have access to our own resources, then we are able to design an economic policy to suit our needs.
"Too many young people in Scotland leave every year. Now, seeing the world is not a bad thing to do. But many people leave because they can't find a job and we need to do something about that."
Rugby players from Stornoway, on Lewis, have been discussing how an independent Scotland might affect the future of the British Lions team.
One said: "Whatever the outcome, we'll all still be friends the next day - hopefully".
'Is sport more important than politics?' is here.
On air @BBCRadioScot all the latest on #indyref
Deputy First Minister Nicola Sturgeon has denied that details of a potential £400m NHS funding gap means the health service is at risk under the SNP.
She said: "This is a discussion document not a decision document. I'm part of a Government that has protected the revenue budgets of the health service and will continue to strive to do that.
"It's a discussion document written in the context of the status quo, not in the context of independence."
Tonight's the night! Switch on to @BBCNewsbeat's #bbcindyref debate at 2100 with @edibow & @itschrissmith
Gordon Brown adds: "Nobody should be told that they are any less patriotic or proud of their country.
"I want the best for this country."
Mr Darling adds: "Two days away and Alex Salmond is still refusing to answer basic questions about what independence would mean. He can't explain what would happen if firms start moving their headquarters away from Scotland, south of the border.
"And they don't need to do this, they don't want to do this. They are being forced to do this because of the uncertainties created by Alex Salmond's lack of answers."
Criticising Mr Salmond on the currency issue, Mr Darling says: "He can't even tell us what money we will be using two days before we go to the polls and it's not surprising that people are scared about that.
"What could be more scary than not knowing what currency we would have if we vote for independence?"
Gordon Brown says: "For months the Scottish National Party has said the issue is independence or no change.
"For months we have been saying that the real way to change is not to separate off Scotland but to have a stronger Scottish Parliament.
"Yes we need change but I think people are going to come to the conclusion what they want is the Scottish Parliament as part of the UK."
Robert Peston warns Scottish voters in his blog that economists have no simple answer about how they should vote.
"Here is the bad news if you haven't made up your mind whether to vote for Scotland to become independent - economic analysis cannot give you the answer.
"That is partly because this dismal science is not capable of giving wholly (and sometimes even partly) accurate forecasts about the future prosperity of nations."
Former Prime Minister Gordon Brown and Better Together leader Alistair Darling are speaking to activists in Clydebank.
Mr Darling says: "We are never complacent but we go to the polls with growing confidence.
"Because our argument that Scotland is better and stronger as part of the UK is an argument that is finding more and more support from the quiet majority in Scotland. That is why I believe we will win on Thursday."
James Adams emails: It seems that we're now being offered a choice between Devo-max (awful name) and Independence lite. Both sides offering greater autonomy within a shared monetary, economic and trading union. Both promises require the backing of the UK government to work.
Iain Steven, a small business owner, emails: A pledge, a vow, a Promise even a Contract, even signed by the political masters, BEWARE, even though they are the three party leaders, it is completely worthless. They are here representing the NO Campaign, NOT their parties.
Tony and Oonagh Godfrey email: We are weary of the Murdoch inspired soundbites of the Yes campaign.eg - all is the fault of Westminster parliament or the views of business leaders who oppose Salmond's views are a set up by Cameron... We in England have no say in the matter. Surely in an unstable world we need to unite and not to return to a narrow nationalism.
BBC Scotland's economics correspondent Colletta Smith looks at what new powers are being promised to Scotland whether there is a Yes or No vote.
Wake Up To Money can be downloaded here.
Dundee United chairman Stephen Thompson has given his backing for a 'Yes' vote on Thursday.
Mr Thompson said he believed Scotland is "more than capable of being a successful independent country".
He added: "A 'Yes' vote will allow Scotland to maximise its potential on the world stage.
"One of our biggest exports and assets has been our people from all walks of life, social and political background - and one of the greatest challenges we face is to grow job opportunities so more of our brightest youngsters stay and work here in Scotland.
"There is no one better placed to make the best of Scotland than the people of Scotland and no amount of negativity from the 'No' campaign or media can change that."
As Scotland's historic vote on independence nears, Radio 5 Live's political correspondent John Pienaar presents a lively round up of the latest from the campaign trail.
It can be downloaded here.
"Compare that [the pro-Union offer] with the revelations we've had today about funding threats to the NHS - policies and issues and decisions that the SNP has tried to keep secret during this campaign," she added.
"We have got a campaign of lies from the SNP who are trying to tell us that the NHS is under threat when in fact it is under threat from the SNP administration."
Shadow Scottish Secretary Margaret Curran has accused the SNP of "a campaign of lies" in the lead up to the referendum.
Speaking to the BBC she said the joint pledge made by the pro-Union parties today had been discussed openly for "many months" and been "thoroughly investigated". And she insisted it was the SNP who were keeping things from the voters.
Ms Curran said: "What is particularly new in this campaign is the guarantee of a timetable because we are absolutely sure in our commitment to the Scottish people that you'll get quicker, faster, more effective change with a 'No' vote compared to the risk and uncertainty you would get with a 'Yes' vote."
Jim, Dunkeld: I run a small business, Scotland is made up of 70% small businesses, I had the self belief and confidence. I feel if there's a "Yes" vote it will bring self belief and confidence, it will encourage youngsters to go into business.
James, Bearsden: I have no problem about who comes here, [but] where are all these people going to live? Housing will be overwhelmed.
Labour leader Ed Miliband and former Prime Minister Gordon Brown will be on the campaign trail for Better Together in the central belt.
Mr Miliband is expected to say: "The will of the people of Scotland for economic and political change has been heard and we will deliver.
"Change is coming with more powers on tax and welfare for the Scottish Parliament. We will change the British state too, the House of Lords and the way we work together across our nations.
"I ask the people of Scotland to lead that change of our whole British constitution."
Business leaders have called for unity on Friday regardless of the outcome of the referendum.
The Scottish Chambers of Commerce says, whatever the result, the country must work together to drive Scotland forward.
Speaking ahead of a visit to apprentices at an engineering firm in Renfrew with Finance Secretary John Swinney, Deputy First Minister Nicola Sturgeon said: "Only a 'Yes' vote will ensure we have full powers over job creation - enabling us to create more and better jobs across the country.
"So instead of almost 40,000 young people leaving Scotland each year as is currently the case, there will be more opportunities for our young people here at home."
Ms Sturgeon will then join carers to talk about the NHS and welfare reform. She added: "With a 'Yes' vote we can ensure our NHS is protected for future generations by enshrining it in our written constitution."
In reply to Gladys from Aberdeenshire on Morning Call, James in Edinburgh emails: It is a valid point to ask if the Scottish government can set up all the departments needed. There won't actually be that many needed as the Scottish government already has most departments either set up or other departments able to take on the tasks.
In reply to Paul from Dunblane on text, Neil from Falkirk emails: Scotland has voted for the Westminster government 14 times out of the last 21 elections, not bad for a country who never gets the government the majority vote for.
The referendum again dominates the front pages of Scotland's papers today.
The leaders of the three main parties at Westminster have signed a pledge to devolve more powers to Scotland if it votes "No". David Cameron, Ed Miliband and Nick Clegg's agreement appears on the front of the Daily Record.
The Herald says the PM would be "heartbroken" if Scotland leaves the UK, while the the Scottish Sun sees a possible omen for Thursday's poll in a cloud, shaped like a map of the UK - but without Scotland.
Alison, Glasgow: Of course Scotland will be outward looking! We want to be part of the world on our own terms, not via Westminster, whose reputation has been tainted by illegal wars and intransigence in the EU. As Winnie Ewing said - "stop the world, Scotland wants to get on!"
Ella in Dundee: So many unanswered vital questions. Lets say NO this time but come back and ask again when we have clear detail on finance etc.
Confidential papers passed to the BBC suggest a radical cost-saving plan will be implemented in the Scottish NHS after the referendum.
The papers were passed to the BBC and The Herald by a senior NHS whistleblower, who said they had become frustrated by the argument of the "Yes" campaign that the biggest threat to the NHS comes from the UK government.
They were presented to a meeting of health board chief executives and civil servants last month and suggest the NHS is facing a £400m funding gap.
Speaking to the BBC this morning, First Minister Alex Salmond described the £400m funding gap claim as "absolutely untrue".
"Our plans show a real-terms increase in spending - the first time the health service budget has ever passed the £12bn mark," he added.
Sandy, Ayrshire: I am voting Yes. One of the main reasons for voting Yes is saying goodbye to the Westminster system of politics. I am completely disillusioned. I am not voting Yes blindly.
Gladys, Aberdeenshire: An independent Scotland will have to set up all the departments to collect all the taxes, pay all the pensions, benefits, defence. They are promising to have all this set up in 18 months - is this possible?
Earlier we featured a photograph of how of Holyrood is facilitating the world's media.
BBC Scotland's Emma Ailes has being writing on the topic - you can read her article here.
There probably aren't that many people out there who are wholly undecided in the sense that they really are not clear at all whether they are going to vote 'Yes' or 'No'.
Really, the battle is not so much about getting people who have no idea at all - there aren't too many of those - but rather those people who have got an inclination but they're still wavering. It's to persuade those people to go in one direction or the other.
Irene, Brighton. What happens if it's a dead heat? Pistols at dawn with Salmond and Cameron? That I would pay good money to see!
Paul, Dunblane: The basic tenet of democracy is that a nation gets the government it votes for. Scotland has not been a democracy for 300 years. A Yes vote changes that. A No vote and we cease to be even a country.
Larissa, Fife: I feel we are guinea pigs in Mr Salmond's experiment. An experiment that has so many extraneous variables that it is not safe to run.
John, Stirling: Surely what is now being offered should have been there BEFORE polling started? Almost 25% of electorate have already voted.
Mr Salmond concluded: "I think no-one seriously thinks that this land is not capable of running its own finances.
"All of the scaremongering is going to fall on deaf ears. We have a once-in-a-lifetime opportunity."
Mr Salmond describes the pledge signed by the leaders of the three main Westminster parties that there will be more powers for the Scottish Parliament as the "mythical package of nothing".
Asked whether an independent Scotland would have to pay more to borrow money, the first minister replies: "No, you have to have sustainable level of borrowing and debt. As far as the cost is concerned, we'll be borrowing at Sterling rates."
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