Votes for 16 & 17 year olds is hardly 'opportunistic'. Having been SNP, Green and Liberal Policy for many years the idea is supportd by the vast majority of the Scottish Parliament. As jane says it is unlikely to make a significant difference to the result but surely the young people who will be living with the outcome for the whole of their adult lives should partake in the decision.
Gaga - good question - I agree. If Scotland becomes independant the Scots will then have an 'in or out' referendum on the EU.
Economists can (and do) make a case either way depending on their own standpoint or who is paying them. Press and Media are all biased towards retaining the Union and tend to feature articles from those who support that perspective. Currently, according to UK government figures, Scotland, with 8.4% 0f the population contributes 9.6% of UK tax revenues and receives 9.3% of UK spending. Besides receiving revenue from the 95% of North Sea oil & gas which is in Scottish Waters, an independent Scotand would save billions by not having nuclear weapons and would be able to SELL its surplus water and electricity, which currently crosses the border unmetered.
As to the banks - The Bank of Scotland, was doing quite nicely until it was taken over by the greedy HALIFAX, becoming HBOS, headquartered in HALIFAX which is in England. RBS is still nominally a Scottish Bank, but it was wild speculative enterprises world wide which led to its downfall.
It is generally accepted that UK assets and debt would/will be split on around a 10%/90% basis under international law.