I think one of the most chilling things that has been said in the referendum campaign is that a separate Scotland would consider defaulting on its debts. We all know what happens if you do not pay your debts—no one will lend you any money unless you pay a punitive interest rate. We all know what that means for home owners—much, much higher mortgage rates. For businesses, it means crippling interest rates. Those are the consequences of what the separatists are proposing. We need to get that message out loud and clear in the coming days.