The Tories will get another term in 2015 as Labour instantly lose 47 seats and the Lib Dems a further 11.
That's not quite true. Should the vote go Yes, the proposed timetable sees Scotland actually going independent in March 2016, (although that seems optimistic to me). Thus next year's general election in May will be fought in all the current seats including those in Scotland. It could well result in a small Labour majority, which would put Ed Milliband in the position of a prime minister who is on death row, figuratively speaking, with the date of his execution, when he loses those Scottish seats, already set. What would be the validity of any legislation put in place by such a lame duck government? The rest of the UK would be without effective government for 10 - 12 months or so.