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Housing associations have fingered the fact that they cannot use their assets as liquidity due to Bank of England rules unlike their continental equivalents. This has emerged to be one of the main bottlenecks to getting investment going in the U.K. It is a Bank of England issue.

We believe the 36, nearly 40, billion pound discount given for a right to buy houses took a million houses out of the public housing sector which is desperately needed for rent.

Britain can only spend what it can afford.

Most people hugely underestimate the amount of 'empty space' we have in our country. Fly over the U.K., and you see that human settlement does not fill up the U.K. at all. It accounts for something of the order of 15 per cent of the landmass.

The Prime Minister in the UK thinks spending and borrowing more is the right thing to do in the circumstances, and is busily trying to bail out chunks of the private sector which would otherwise have to adjust more quickly to the painful reality that we have been living beyond our means.

The U.K. is one of the few places in the world that has final salary pensions.

When you're setting up a budget, a general rule is to start with your fixed expenses - your housing and insurance payments, and car payment, if you own one.

An independent Scotland could afford pensions full stop - after all, it is our taxes and national insurance contributions that fund them now.

What's a fact is that we give more than £350 million to the European Union and hand over control of that money to the European Union every week.

The U.K.'s debt belongs legally to Westminster, so Scotland, by definition, can't default on it.