David Cameron should have looked to the Australian example before he allowed the so called Scottish 'referendum'.

Homeowners in an independent Scotland could face significantly increased mortgage payments and at the same time suffer a fall in real estate values, according to press reports.

The fact is that nobody has any idea of what the currency of an independent Scotland would be.

This demonstrates the extraordinary complacency of the British government, and especially of the British Prime Minister David Cameron.

Cameron should have sought wider advice on the way to run this referendum.

He should have been made aware of the adoption by our founders of the Swiss referendum .

Had Cameron insisted on a similar procedure to ours, he would have protected the Union from an uninformed vote based on emotion and not the facts.

Instead of a real referendum, Cameron has allowed the Scottish National Party to foist a question-only plebiscite on the Scottish people. How extraordinary that he should allow the use of one of the tools devised by French revolutionary terrorists and perfected by the Bonapartes.

A Yes vote will constitute a blank cheque in favour of the politicians on a range of crucial issues.

This will include how the U.K.'s substantial national debt will be shared, how the defence forces will be divided, where the important nuclear submarines will be stationed, whether Scotland will be allowed to use the pound, and whether there would be a shared reserve bank.

And what will happen within a range of international organizations, relationships and treaties? These have include the UN Security Council, North Atlantic Treaty Organisation (NATO), the Commonwealth, the G20, the IMF, the World Bank, the crucial "Five Eyes'' intelligence alliance (to which Australian is a party) and indeed the special relationship between the USA and the UK.

The people of Scotland will decide none of these important matters.

Salmond wanted this state of ignorance because he knows that if the Scots were made aware of the consequences of independence, those tempted to vote Yes because of the swirl of the bagpipes could sensibly change their minds.