Freedom and Whisky are fine but we Scots also like money. This afternoon, the entire directorate of F&W went along the road to attend the Annual General Meeting of Standard Life, Europe’s largest mutual insurer. There was a 93% vote in favour of retention of mutual status. Group Chief Executive Designate, Iain Lumsden, told us that most of Standard Life’s investments would remain in the stock market. Maybe these highly paid experts are correct but I switched my small share of their £80 billion worth of assets into their cash fund last year. We shall see.