The development of this approach to combining regulatory functions has been tested through discussions with the UK regulators, independent regulatory experts, consumer groups and business organisations across Scotland.

BBC: Scotland politics

Again and again, America has been tested in the 20th century, coming through it all down to the present day with even greater blessings of liberty and prosperity, with our enduring optimism and steady faith in our common humanity.

CNN: Transcript: Clinton speaks at Memorial Day Event