Insto - the White Paper is an unusual document. It is part initial negotiating position for the Scottish Government and part SNP manifesto. Nothing in the White Paper is a cast iron guarantee, as the results will depend on two things (assuming a yes vote):
1. The outcome of negotiations with the UK Government and international institutions.
2. The policies of the first Government of an independent Scotland.
Personally, I think everyone in Scotland is being done a grave disservice by both the yes and no campaigns. The yes campaign is making claims of certainty when the results are unclear, usually because the results will only be clear after negotiations. The no campaign are claiming uncertainty on issues where the way forward is pretty clear (although there may be a modicum of uncertainty).
Mark Carney's speech was interesting - it appeared the yes and no camps heard entirely different speeches. Yes claimed - see currency union is a goer, we told you so. No claimed - currency union, its worse than what you have now. If you read the speech, you can see it effectively steers a middle way through these views.
I know why the campaigns are doing this, but without decent, unbiased information how are people meant to make an informed decision.