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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.
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.