Yes the geographical split was my guess,I do worry about what would happen in scotland if independence actually occurs... as I said on here before - far better to have the damned english to blame for everything than turn inwards and have internal strife - which would be almost inevitable once the country went bankrupt.
I am on the verge of returning to scotland after many years away and am reluctant to invest any capital in property etc because of the fear of the possibility of independence -
I know many people in scotland - none want independence and they are all hard workers !