BBC news website user, Gavin Kinnear, says: "I know we would be socially better off," but he goes on to ask: "But would we be financially as a country better off?" David Furbur asks: "Will England, Wales and Northern Ireland be better off if Scotland leaves the Union?" and John Mcknight asks: "Would England be worse off if Scotland was independent?"
For better or worse?
This is a big question - arguably, THE big question. The polls tell us the answer makes a big difference to the way people intend to vote. So there are big claims made by the two main campaigns in trying to answer it.
Once again, the key figure we're using here is growth measured Gross Domestic Product (GDP) per head. That fell with the recent downturn years, but over the longer term, it's on the rise. Why? Mainly because, in most years, new ways of working, new technology and education make people and machinery more productive, we tend to consume more each year, and to use more resources.
And how has Scotland done compared with the rest of UK as a whole? In the past 25 years, growth per head has been at least as good as the UK. The two decades before that saw much lower growth, as old industries declined.
Government can influence growth, by using taxation - more of that tends to reduce growth. It can use its own spending power - more of that can boost growth, though to do that, it's important that it's spent in the right places. Spending on skills training or transport is often a help to growth.
Government can also regulate the economy. It sets the rules for employment, including the law on hiring and firing. It adds costs to business such as health and safety, environment safeguards, pension requirements or minimum wage levels. And it sets the market rules for banking, energy and telecom utilities.
The big driver of growth is not government, but businesses. They invest in new factories, offices and equipment, and they hire people. But that's if they're confident that sales and markets are growing. So a big challenge for any government is to help businesses feel secure about their future. Which would do that better: at Holyrood, or Westminster?
14% increase in oil and gas production between 2013-18
Tax receipts currently 14% higher in Scotland than UK
Source: Scottish government
In an independent Scotland, the government at Holyrood would have these "levers of power" - taxation, spending and regulation. The Scottish government White Paper sets out ways it wants to use these.
One could be to cut the main tax on profits - corporation tax - below the levels in the rest of the UK. This could make Scotland a more attractive place to do business.
Alex Salmond says people in Scotland would be better off by £1,000 a year
Finance Secretary John Swinney has also said he wants to borrow billions of pounds more in the early years of independence than George Osborne, the Chancellor, has set out in Whitehall's plans.
The Scottish minister wants to simplify tax, and he'll consider ways to improve relations between employers and employees.
The Scottish government's calculation is that "each Scot would be £1,000 better off" after 15 years. That would require a boost to productivity, more immigration and bringing more women into the workplace encouraged by a more generous childcare system.
Some others arguing for independence want to see more radical change, often focused on better social outcomes rather than growth - such as fairer distribution of income and a more generous welfare system.
13% more tax needed to maintain independent Scotland public services, or...
11% cut in public services needed to keep current tax levels
£1.5bn-£2.7bn estimated cost of restructuring Scotland's institutions
Note: Figs relate to a 20-year period starting from 2016-17 Source: Treasury
Those who don't want an international boundary at the Cheviots stress the added cost and inconvenience for businesses trading across the border, and they warn this could hinder growth.
In particular, they warn of uncertainty over the future currency, over public finances and borrowing costs, over access to European markets, saying this could lead to less business confidence and willingness to commit and invest in Scotland. Even with the same currency, they say borders inhibit trade.
Trying to be positive, the same argument is also presented as the benefit of being within a large UK market, providing scale for growth.
There's not much made of the future prospects for UK growth. That's a UK government priority, but it's also uncertain. On past performance, it is assumed to be just above 2% per year over the long term.
On the day in May when the Scottish government set out its claim of a £1,000 independence dividend, the UK Treasury published a document with the claim that there's a £1,400 "union dividend". This is about public finances rather than economic growth. Most of it is explained by higher spending per head in Scotland, as well as costs absorbed by the UK, and claims that SNP tax-cutting policies and likely higher borrowing costs would leave a larger deficit.
So, back to the question, could an independent Scotland be better off or not?
If anyone tells you they know whether an independent Scotland will be better off or not, be very, very sceptical. No-one knows.
The best you can do is figure what factors could make Scots better or worse off, and then make your own judgement on how these are likely to come into play.
And what factors are they? As the Scottish government points out, you can boost growth with higher output per worker or productivity, by raising employment levels and attracting more immigrants. And you can make better use of your natural resources.
But don't be so sure those are achievable. Britain's productivity has behaved very oddly in recent years, and no-one knows why. While Holyrood wants to boost productivity, almost all the levers it wants to pull are already being pulled in Whitehall.
Anyone with experience of government will tell you that the pulling of levers doesn't always get the results you expect. Governments have influence, but often less than they (or we?) would like to think.
Policies can also send contradictory signals; cutting tax to boost business growth may not mix well with moves to boost minimum wages, or making it more difficult for employers to make redundancies.
Where they DO have an effect, these levers may or may not be more successfully pulled at Holyrood. It may be, for instance, that businesses in Scotland would respond to a focused targeting of tax incentives to invest in a strongly-growing sector.
On the other side, it may be that businesses will thrive best with the smoothest possible access into the English market, where regulation and taxation are identical. Or it's argued the UK's network of embassies makes a vital difference for opening doors to more exports.
On corporation tax, it's worth noting that European partners may want to limit the scope for Scottish tax cuts, as part of a deal on making Scotland a new EU member. They don't like Ireland's low tax rate, and won't want to see it elsewhere.
Scotland in numbers
What is Scotland's population?
What is Scotland's share of the national debt?
How does pay in Scotland compare with England, Wales and NI?
Cutting tax rates can also cut your tax revenues. It doesn't always. It could be foreign businesses are attracted to Scotland by low rates, and in total, they pay more. But that's not guaranteed. And until it's happened, there's a gap in the budget.
Also, don't forget that the rest of the UK, of Europe and of the world wants to boost productivity and expand workforces. There's competition for skilled migrant workers, for instance, and also for investment by multi-national companies.
Every country is pursuing growth. Scotland and the UK will surely see the economy growing in years to come. But it's not clear why a growth strategy created in Holyrood would be uniquely or even relatively successful, any more than it's clear that Whitehall has all the best answers.
One more statistical health warning: if GDP is rising, it doesn't mean everyone's getting better off. It may be because more people are entering the workforce, for instance through immigrant workers.
Also if GDP per head is rising, that won't be shared equally. Some people may be getting better off, or worse off, at a faster rate than others.
There's also the complaint that the focus on economic growth is at the expense of other priorities, such as the environment, fairness or a healthy society.
Sir Menzies Campbell has joined the criticism of the Plaid Cymru peer, Lord Wigley, who compared the Trident base in Scotland to the Auschwitz concentration camp.
Lord Wigley, who is the party's general election co-ordinator, was asked about the employment boost if the nuclear facility was moved to Wales. He told the BBC: "No doubt there were many jobs provided in Auschwitz and places like that but that didn't justify their existence."
His comments come after the 70th anniversary of Auschwitz's liberation.
Former Liberal Democrat leader Sir Menzies said: ''Lord Wigley is a passionate politician, but this time he has gone too far and he should withdraw his comments immediately'.'
League Cup semi-finalist managers line up at Hampden.
A man has appeared in court following the theft of nitrous oxide - commonly known as laughing gas - from Dumfries Infirmary.
Stewart Pettigrew, 31, from Dumfries, appeared in private before Sheriff Brian Mohan on a charge of theft.
No plea or declaration was made and he was remanded in custody.
A number of nitrous oxide cylinders were taken from a store at the hospital earlier this month.
The Welsh nationalist peer Lord Wigley has apologised for "any offence caused" after he compared the Trident submarine base on the Clyde to the Nazi death camp at Auschwitz.
The former Plaid Cymru leader's remarks came as he responded to a report that the site could be moved to Wales.
The switch has been roundly denied by the Ministry of Defence.
While the 23-year-old has only made 12 appearances for the Scottish Championship side this term, he has made three starts in January.
Hibs have signed right-back Keith Watson from Dundee United on loan until the summer.
Now Booth takes the step up to the Premiership as Thistle look to bolster their defence.
Jane, Stirling: Not enjoying the moralising going on around the "vouchers for stopping smoking" debate. To assume that women who continue to smoke don't care about their child is not only horrible, it's extremely naive. It ignores the inextricable and highly complex link between deprivation and poor life choices and health outcomes. Demonising individuals for huge socially patterned problems is morally wrong!!
Anna, Leith: Why do folk go hysterical about smoking and not say a word about cars polluting the air we breathe?
Anon: This must be the craziest idea ever. Do it the old-fashioned way. Save your fag money in a tin and you'll have a lot more than £400 at the end of your pregnancy.
Craig W, Edinburgh: The news about vouchers for pregnant smokers is depressing - what does it say about society if mothers-to-be won't stop smoking for the good of their baby's health, but will stop for a £50 Iceland voucher?
Roger Cope in Fortrose sent us this picture of the postie working in the snow. No sign of Jess, though...
Officers investigating Tuesday evening's incident at Scotbet in Ferry Road believe it was linked to a robbery at a petrol station on 18 January.
CCTV images of a man suspected of carrying out that armed robbery, also in Ferry Road, were released earlier this week.
About 300 jobs are going in Scotland as Tesco closes stores.
Chief Executive Dave Lewis said: "It is with great sadness that I have to tell you that stores in Edinburgh, Kirkcaldy, Grangemouth and Troon are included in the 43 we plan to close. The decision to close these stores has been exceptionally difficult to take.
"I recognise it will affect many hard working colleagues, our customers and the communities in which these stores are situated."
Tesco is cutting 326 jobs in Scotland with the closure of four stores: 55 in Edinburgh, 189 in Kirkcaldy, 68 at Grangemouth and 14 in Troon.
Iain, Bathgate: Once again in this country we pander to those doing the wrong thing when people doing the right thing get hee-haw!
Lee, Inverness: It feels like pregnant smokers are getting a reward, but what about pregnant non-smokers? We have not smoked at all during our pregnancies so why shouldn't we get £400? It's a substantial amount of money! Makes me want to take up smoking and then quit in order to get more money for my baby!
Their report has recommended sentencing statements by judges and sheriffs could be shown.
The review group, chaired by Lady Dorrian, also backed the idea of live tweeting by reporters in court.
But they said broadcasting or recording of cases involving children, sexual offences and vulnerable witnesses should not be allowed.
High wind warnings on most of the bridges today and both the The Tay Road Bridge and Forth Road Bridge are closed to double deckers.
The Ministry of Defence is coming under renewed fire over RAF safety after confirming that just eight of its fleet of 100 RAF Tornado GR4 aircraft have been fitted with a collision warning system - yet it turns out that the system doesn't work.
It follows a highly critical report by the Military Aviation Authority two weeks ago which said failure to fit airborne warning systems was "unsustainable."
At the time, the MoD stated that "a collision warning system is currently being fitted to the Tornado GR4", but made no mention of the problems with the software.
The SNP's Westminster leader Angus Robertson has described the revelation as a "shambles".
It's snowing and I can't see Park Circus from the studio @BBCRadioScot
Personal bankruptcies in Scotland have fallen to pre-recession levels, according to figures released by the Scottish government.
Scottish businesses also suffered fewer liquidations or receiverships in the last quarter of 2014.
The latest official Accountant in Banktuptcy figures cover the three months to the end of December, and show personal insolvencies fell by 12% compared the previous quarter and 20% on the same period a year earlier.
More than 2,600 people were bankrupt or subject to a protected trust deed - a legally-binding debt solution.
The government says this brings personal bankruptcy to levels not seen since before the global downturn in 2007.
Liquidation or receivership of companies also fell, by nearly 8%, and there was a rise in the amount of money repaid to creditors.
Some court cases could be shown live on television under proposals put forward by Scotland's most senior judge. The Lord President, Lord Gill, said sentencing statements by judges and sheriffs would be allowed to be shown.
This was permitted at the end of the Worlds End murder trial last year. Appeal hearings and judicial reviews could also be filmed.
But Lord Gill said trials could only be televised for documentaries, and only where the case didn't involve children, sexual offences or vulnerable witnesses
WATCH: #Celtic's Ronny Deila discusses #ScottishLeagueCup semi-final with @BBCjsutherland: bbc.in/1K2Jp2R
Duns Sheriff Court is sitting for the final time before joining the list of sites being closed across Scotland in a nationwide shake-up of the service.
Its business will be transferred to Jedburgh Sheriff Court, about 30 miles away.
Peebles Sheriff Court closed last week, with business now being taken in Selkirk.
Concerns have been raised about the impact of the extra business on other courts and travel distances involved.
However, the Scottish government said the changes were "justified" and compatible with wider justice reforms.
Lesley: My mum smoked all the way through three pregnancies, these babies all born healthy, now being almost 50, 48 and 47, with no serious health problems. Stop spending taxpayers' money, yet again, on predominantly non-taxpayers. Funny how so many of these people can smoke and drink alcohol but can't afford to eat - get your priorities right!!!
Kate, Aberdeenshire: Surely alcohol and substance misuse has a far bigger impact on the developing foetus. An incentive to stop using legal highs etc would be money better spent. And yes I smoked during my first pregnancy (it was twins) and my children have not suffered any adverse effects from it.
Wilma, Dundee: Smokers put in £12.5bn to the tax take each year so if some of this is going to try to help young women to stop then why not. Pity they could not do the same for pregnant women who drink and leave the baby with life-long problems.
Irn Bru maker AG Barr: 5% sales lift Oct-Dec, better than tough-going soft drink market: #Glasgow2014 Games sponsorship helped + cost cuts.
Michelle Bogue says this squirrel is a daily visitor to her garden in Montrose.
Billy McKay, a key player for Inverness CT this season, could be on his way to Wigan.
In a statement on the club's website, Inverness chairman Kenny Cameron says: "Billy has never hidden his ambition to compete at the highest possible level and has always conducted himself in a professional manner in this regard.
"We are grateful to Wigan Athletic FC for the courtesy shown in speaking to us before opening their discussions with the player."
Detectives investigating a large fire at a car scrap yard in Fife are treating it as suspicious.
A joint police and fire inquiry was begun after the fire swept through Nobles yard in Kirkcaldy.
The alarm was raised about 22:30 and, at its height, the blaze was attended by more than 16 fire appliances.
The road around the industrial estate was closed as a precautionary measure and no-one was hurt.
The Danish director who masterminded the hit crime show The Killing has spent four months in Scotland secretly filming his first British drama series.
Locations across Edinburgh and the Lothians have been used for Birger Larsen's three-part series Murder, due to be aired on BBC2 later this year.
Scotland's lifeboat crews rescued a record number of people last year, according to new figures from the RNLI.
Volunteer crews went to the aid of nearly 1,200 people around the coast in 2014, compared to just over 1,000 the previous year.
Broughty Ferry was Scotland's busiest station with more than 70 call outs.
A9 around Blair Atholl - heavy snow shower affecting visibility.
Louise White is asking Morning Call listeners for the best nicknames they have earned/heard/used and the stories behind them.
Brian, Motherwell: We used to call a mate The Blacksmith because he used to make a Bolt for the door when it was his round.
Bob, Gartocharn: A teacher in the 70s at Aberdeen Grammar School named William Williams was known to us as Bill Squared.
Nina Shanks: My husband's surname is Shanks and at school he was known as Flush.
Grant: Jim Hoy from Blairgowrie known as Shipper, hence Shipperhoy.
Jim: I am a retired firefighter, nicknames were rife in the service. MINTY - we started day shift at 08:00 and this guy was never on time. He arrived for work "after eight!"
A fan's eye view of @andy_murray as he rewards those on Margaret Court who watched his practice with some autographs.
The Scottish Labour Party will today publish a bill at Westminster calling for the immediate transfer to Holyrood of job creation powers.
Shadow Business Minister Ian Murray's bill would devolve responsibility for the work programme ahead of the general election.
Labour says it may force a Commons vote on the issue next month.
The UK government says Labour's proposal is flawed and insists the powers will be devolved as part of further devolution legislation by whoever is in power after May's general election.
Gill Williamson took this picture at the Up Helly Aa festival while on a break with friends in Shetland.
Chief executive David Frost told BBC Scotland's Good Morning Scotland programme: "I think the government took a great decision last year in abolishing the duty escalator and freezing duty on spirits and Scotch whisky.
"We would like them to follow the logic of that decision this year, to stop taxing a sector that is so successful. Follow the logic and cut duty by 2% this year at the Budget."
Today gets colder, and for a few...snowier! Weather warnings: http://bbc.in/1yMuS9C Here's you day in pictures
John Ross, Edinburgh: Research in other areas has shown that such financial incentives will only lead to an increase in smoking among pregnant women so that more women can claim reward for apparently stopping smoking later.
Stephen Mather: Shame that some are more interested in health of their purse than health of their child.
One of the lead authors, Professor David Tappin, hopes the scheme will be rolled out across the UK.
"It (the voucher) was £400 split into four points during pregnancy," he told BBC Radio's Good Morning Scotland. "The first point was if they engaged with the pregnancy cessation services, and set a quit date, they got £50.
"Then, if they were quit four weeks later they got a second £50 voucher and if they had still quit after 12 weeks then they got a £100 voucher.
"And, if they had quit towards the end of their pregnancy, they got a final £200 voucher.
"When women are young, and the time they're having babies, if you stop them smoking at that point, their probably going to get the same life expectancy and health outcomes as a non-smoker.
"This study has only been done in Glasgow and needs to be done in other places around the UK with different rates of smoking.
"If that future study shows that it is cost effective, then I think National Institute for Health and Care Excellence (Nice) would recommend it."
Traffic Scotland tweets: #Snow now showing on the #A82 at Altnafeadh (East of Glencoe)-Take extra care, visibility will be reduced. #StaySafe
About 70 classic cars - including Porsches, Mini Coopers and Linwood-built Hillman Imps - will set off from Paisley Abbey at about 18:45.
They will join competing cars from the other start cities of Barcelona, Turin, Copenhagen and Reims on the 1,670-mile (2,688km) route to the French Riviera.
The rally is expected to generate more than £1m for the Renfrewshire economy.
M: If a woman can't stop smoking for the health of her child then I don't think a financial incentive will do it. If that's what'll do it, then I think it's a sad state of affairs for their unborn child!
The Scottish Daily Mail claims an exclusive with a report that defence officials are secretly drawing up plans to move Britain's nuclear-armed submarines from Scotland to Wales.
The Scotsman leads with figures showing that almost half of all pupils taking Highers will sit the old exam rather than the new qualification.
The Times focuses on the review of the spiralling costs of the new V&A project in Dundee.
John, Edinburgh: Unfortunately, research in other areas has shown that such financial incentives will only lead to an increase in smoking among pregnant women so that more women can claim reward for apparently stopping smoking later.
Anon: Paying pregnant women to stop smoking: outrageous, ridiculous and an embarrassing waste of taxpayers' money, seeing as there was still an 80% failure rate. Surely if smoking in public places is banned due to the harm it causes people, then smoking whilst pregnant should be banned due to the harm it causes the poor unborn children?!
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