Sticking with the UK means being governed by a prospective Tory-Ukip coalition from 2015, with dramatic effects to Scottish people. The Health Service will be reduced and other English features added. The prospect of an anti-Scottish PM looms in the shape of Boris; another government placed on us as Labour continue to do badly across the UK. A lot of change will occur.
Moving to independence will cause change, but under the control of Scotland. Its government may change substantially in 2016 as the parties ease into the new national environment and take a focused stand on Scottish issues.
In any case, change will happen with either decision. Hopefully, change for the better.
Lindsay Craik, Crossford, Dunfermline