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If there is a referendum and the pro independence supporters win a majority there is no guarantee that an independent Scotland will gain entry to the ‘promised land’ known as the EU.
If an independent Scotland is able to join the EU io will be operating on a different time zone from the rest of the U.K. for a minimum of five months per year.
Joining EFTA/EEA will be the main priority, this gives iScotland access to rUK markets on the same terms as every other nation in the economic area. If independence ever did happen, rUK would be back in the Single Market anyway, they can't keep putting off the bad stuff about brexit. The time thing isn't really a big issue these days, Scotland will want to align with the EU anyway.
Standard - you earn the minimum you need to earn to pay NI and the rest comes as dividends as I'm sure you know. Bit of a fleg for you when it comes to furlough mind.
Taxi drivers, without exception, moan like **** and blether ****e - excellent additional talents for a 'professional driver' :) to have.