TODAY I write as usual about wellbeing - but the nation's.

Referendum day is tomorrow.

It's the greatest political campaign in Scotland's history.

I am not a party animal, nor in Yes Scotland or Better Together, and don't have a monopoly on wisdom. Although I will be voting No tomorrow, Yes voters deserve all respect for their judgment.

Whichever way it goes, it won't be either the Garden of Eden nor the Gates of Hell.

If there is one thing I have learned, politicians promise more than they can deliver.

There has never been a time of ease and plenty for all. We have all worked hard, made sacrifices, missed out on aspirational outcomes, failed, succeeded.

It won't be any different in future together or independent. There will be problems, and we will try to solve them.

Independence. Interesting word. If we end up with no Scottish banks or public firms and only foreign-based utilities we will be a branch-office economy.

I can't think of anything more dependent than that.

Currency. One side says it will be the pound, the other says it won't. Playing with our future on the basis of "maybe" is not on.

Alex Salmond says a currency union is inevitable. Other heavy hitters with as much grasp of economics say that's not true. And it won't be his choice anyway.

Budget deficit. Yes Scotland admits there will be a deficit of £6 billion (or lots more) a year.

They say this is manageable, but when the First Minister was asked when the deficit would be got rid of, he brought in other aspects of the Scottish economy, but did not answer the question.

We can guess the answer - more taxes for the ordinary family, but he did not dare to say that.

Oil. This is where I am most disappointed in Alex Salmond.

When asked about what would happen if the oil available is not 24 billion barrels, but only 16 billion, throwing out his figures, his response was to ridicule the questioner, and use this sarcastic phrase that Scotland must be the only country in the world where oil is seen as a burden.

That was unstates-manlike. As he well knew, the question was relevant and important.

He was being asked not about oil, but about lack of projected oil. He should have answered fairly, not tried to make the questioner look a fool or coward.

If you are shopping tomorrow, you need to have enough in your wallet when you reach the shops. It is not enough to say that you have some money so it will somehow work out.

This is not a point-scoring debate, it is all our futures.

I have no doubt he has Scotland's best interests at heart.

But I would rather have a leader who is able to admit that he cannot guarantee success any more than any other politician, rather than address critics in the unfortunate tone of condescension he uses when cornered.

Now all this has read negatively, and one thing about the Yes campaign is that they accentuate the positive so are excited about independence. It is a new start, a chance to create something different. I join in such optimism - the principle has underpinned everything I have been writing about for months - take control of your own life, be positive.

The political process has energised Scotland. Sadly some have been overcome with passion and come to see sides as black and white, good and evil. Many see overly simple solutions.

Britain is far from perfect and does need improvement. No-one has a monopoly on social justice, economic prudence or national aspiration.

There is no innate morality in nationalism. I am a Scot with Irish and Spanish genes, the First Lady is Scottish/Irish (and I suspect the ultimate result of some Viking raiding party in Donegal). We feel equally Scottish and British. And European. Human. Glaswegian.

If the nation knew what the future will bring we could more easily prevent difficulty. As it is, "events, dear boy, events" always master us - even if it is just the price of oil dropping - and the vote should be about how we organise to face unexpected events.

It is hard enough now as the UK, but I see the independence formula projected by Mr Salmond and his people as creating more risk, while not offering certain benefits.

Scotland is in my heart and my head. The UK is a wonderful community of nations, not perfect but worth saving and developing.

I hope for an outcome that maintains a strong Union with the capacity to do better and better.

Whichever way we vote, I give you my favourite film quote - from It's A Wonderful Life. As hero George Bailey says to customers: "We all have to stick together. We've got to have faith in each other."

Vote well. See you Friday. Let's have a pint to celebrate.