Savers and pensioners would be more at risk in an independent Scotland according to a new report by the UK Treasury.
Scottish Secretary Michael Moore says independence would make Scotland more vulnerable to a banking crisis and that it would be hard for Scotland to maintain a separate pension protection scheme.
The Scottish Government has dismissed his claims as 'flimsy' and will set out their own economic paper tomorrow.
Mr Moore said:
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Wintry start for some and windy. Brightening later
Emma brings you Saturday's forecast
Longest cold spell of winter so far. Mainly dry and bright, but feeling bitterly cold today. Very wintry further east, blizzards possible