The cost of borrowing to fund public spending on infrastructure would rise if Scotland votes for independence, the head of a top insurer has warned.
Mark Wilson, chief executive of Aviva, said the company would maintain its commitment to investments in Scotland but highlighted the "increased risks" in the event of a Yes vote on Thursday.
"The cost of borrowing to fund important public infrastructure, such as schools, hospitals and roads, would almost certainly go up to cover the increased risk of being a smaller independent country," he warned.
Aviva, which has more than 2,000 staff and one million customers in Scotland, is the latest in a series of banks, businesses and retailers to voice concerns over independence. Mr Wilson said he believed Scots should have "full knowledge of the facts" before making their decision.
One story dominates Thursday's front pages with some newspapers printing emotive pleas to voters to keep the United Kingdom as one.
In Edinburgh tonight you can hear it and feel it. The buzz, the banter of the day and the thrilling sense something big is coming tomorrow.
There is nervousness, anxiety and on the streets of Edinburgh fuelled by an atmosphere unlike anything seen before in recent UK politics.