Scotland's economy would be in a "parlous state" if it becomes independent in next month's referendum, the chair of HSBC Scotland claims.
Douglas Flint, who describes himself as an exiled Scot, warned that sterling currency was an "anchor of stability" for Scotland.
Writing in the Daily Telegraph, he said: "At the extreme, uncertainty over Scotland's currency arrangements could prompt capital flight from the country, leaving its financial system in a parlous state."
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ITV News spoke to Nick Channing-Williams who described the freezing conditions on board the car ferry that caught fire earlier today.
A widespread frost will affect the UK due to plummeting temperatures along with a lingering fog in several areas.
Members of the Queen's Guard have been assigned the protection of armed police, amid reports they could be targeted by terrorists.