Andrew Black
Political reporter, BBC Scotland

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Graham Fraser
BBC Scotland

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Matthew Wall
Business reporter, BBC News

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.

Here is a representative selection of recent comments.

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.

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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, external 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."

BBC Radio 5 live

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.

James Landale
Deputy political editor

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.