Itís a moment of confusion and loathing that most of us have experienced. Youíre in a shop. Itís time to pay. You reach for your purse or wallet and take out your last note. Something about it doesnít feel quite right. Itís the wrong shape or the wrong colour and the design is odd too and the note just doesnít seem right and . . . By now youíve realised: oh ****! Itís the dreaded Scottish banknote! Tentatively, shyly Ė or briskly, brazenly, according to character Ė you proffer the note. One of three things then happens. If youíre lucky, the tradesperson takes the note without demur. Unusual, but it does sometimes happen. If youíre less lucky, he or she takes the note with all the good grace of someone accepting delivery of a four-week-dead haddock. If youíre less lucky still, he or she will flatly refuse your money. And hereís the really annoying part: he or she would be well within his or her rights, because Scottish banknotes are not legal tender. ĎLegal tenderí is defined as any financial instrument which cannot be refused in settlement of a debt. Bank of England notes are legal tender in England and Wales, and Bank of England coins are legal tender throughout the UK, but no paper currency is. The bizarre fact of the matter is that Scottish banknotes are promissory notes, with the same legal status as cheques and debit cards.