The biggest opportunity in 2013 is in Africa. It has seven out of the ten fastest-growing economies in the world. In Nigeria alone there are 100 million people with mobile phones. In total 300 million Africans - five times the population of Britain - are in the middle class.

Britain relative to the U.S. is a highly secular society. Philanthropy alone cannot fill the gap left by government cutbacks. And the sources of altruism go deep into our evolutionary past.

I have no time for those who say there is no way Scotland could go it alone. I know first-hand the contribution Scotland and Scots make to Britain's success - so for me there's no question about whether Scotland could be an independent nation.