There are risks that go along with both Yes and No votes in the independence referendum

JOAN urges those who are worried about opting for change to consider the uncertainties that will come with sticking with the status quo.

EVERY major life decision carries an element of uncertainty.

Having kids is a risk. What if they get sick, or you cannot cope as parents, or you fall out in 
10 years' time and get divorced?

Fortunately, for the survival of the human race, most couples see the glass half full and start families.

Moving house is a risk. There’s no going back. Will you always be able to afford the increased mortgage or rent on this fab new place? What if you lose your job?

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