Re: Cheer up, what's the worst that could happen?
The EU has already said very clearly that a future independent Scotland would not be able to do that. It would be welcome to apply to join, but would need to meet all the conditions of any new member, including implementing the Euro, meeting the economic convergence criteria and joining Schengen.
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And if Britain leaves the EU, it will also have to agree to those terms when it rejoins.