That was impossible because the UK government refused to pre-negotiate.
If you read beyond the pejorative headlines about financial doom on the BBC you find this:
Angus Grossart, chairman of merchant bank Noble Grossart, said that people should "not panic" following the decisions made by the two banks. He told the Financial Times that the impact of a Yes vote was "severely overstated".
And Mr Grossart, one of the most senior figures in Scotland's financial establishment, said people were "overreacting" to the threats of exodus of firms.
"I think it is getting out of hand," he told the Financial Times. "To hear some of the comments you almost expect people to be predicting a plague of locusts or mice next."
Meanwhile Scotland's largest fund manager's boss said an independent Scotland would be a huge success.
Martin Gilbert, chief executive of Aberdeen Asset Management said: "I think an independent Scotland would be a big success, but it is a secret ballot and I will abide by that.
"BBC economics editor Robert Peston said "Lloyds would move its legal home to its head office, which is already in London - and that's unlikely to have much impact on Scottish employment."