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the fact that the SNP failed to give credible answers on currency and the EU.
They said what they intended to do, which in both cases would require the agreement of another organisation. They also made a case that, after a Yes vote, it would be reasonable for the other organisation to agree to something like their plans.
Their big problem on the currency was that the UK government was playing chicken with them: refusing to allow any contingency planning for a Yes vote so as to make it unnecessarily uncertain and hence bolster No. I don't see how you can blame the SNP for that.
Given what's happening in the rest of UK politics, i don't think Scotland's future connection with the EU is much clearer under No than Yes.
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I'll leave you to advise Yes voters on strategy, for point three (as much as it's nice you acknowledge that every time the tories think up an impracticable, bullshit policy the Scottish government need to find the cash to compensate out of a fixed budget or use their limited tax raising powers to compensate) they clearly don't have the power to reverse Westminster declared changes to housing benefits or they would do that... Your 'point of rhetoric ' in number four again, is a perverse reversal of the issues at hand of both Scottish sovereignty and self-determination to a 'but what about us' from the English. Why not devote your energy to asking why, in the richest city in the Uk there are so many foodbanks and leave the Scots to tackle their own issues, or else spend generations campaigning for English political reform in the way tge Scots have for their own before the what about me-isms. It's not particularly strong logic to propose that London having x foodbanks means that Glasgow having fewer is less unequal or richer, is it? And again, it's disingenuous to hold the Scottish parliament to a higher standard than your own, when at least people here are mobilised to tackle the root structural political and economic causes of the poverty they see around them without resorting to pulling a UKIP and blaming the forrins.
Some additional thoughts
Well done to the SNP for rolling all these emotive issues up with the false premise that they could be tackled by independence. I can see why that was persuasive to many who were having an awakening of political conscience. The probable tragedy is that their energies will now be dissipated by divisiveness and recrimination, rather than tackling the real issues in hand.