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Scotland warned independence will result in tax rises of spending cuts; SCOTLAND: Cumbrae: Millport: EXT GVs Island of Millport with mainland in b/g GVs Vehicles and pedestrians disembarking from the CalMac (Caledonian MacBrayne) ferry GV Houses in special development for older people PAN to street name 'St Beya Gardens' Reporter along to front door INT Set-up shots of Nancy Craig and Bobby Craig (Pensioners) at home watching TV Nancy and Bobby Craig with reporter Nancy Craig interview SOT - lifetime of paying taxes and entitled to something out of that Bobby Craig interview SOT - should always be money put aside for health EXT CalMac ferry along on water Largs: Waterfront buildings (seen from approaching ferry) GV Nardini's Cafe and Ice Cream Parlour INT Ice cream scooped into glass CBV Woman swirling soft ice cream onto glass Worker pouring chocolate chips into ice cream machine Reporter to camera Set-up shot of David Equi (Cafe owner) gives ice cream to customers David Equi (Cafe owner) interview SOT - in a place like this that would be very bad Various shots of local college students using rowing machines and running machine in gym GVs Students listening to lecture Vox pops students SOT EXT GV Waterfront buildings including ice cream parlour and church GVs Waterfront houses Man walking dogs Statue in park with rainbow in sky Rainbow over the sea