Follow the money

Over the weekend i took receipt of a Scottish £5.00 Note. This is my first encounter with Scottish money. Here is some background for you.

The first Scottish notes were printed in 1727 by the Royal Bank of Scotland,
which was the same year the bank was founded. Prior to that, only coins were
minted: the pound Scots, which was the currency in Scotland until the Treaty
of Union in 1707, which created the Kingdom of Great Britain.
Unlike in England, where only the Bank of England has the right to issue notes
in Pound Sterling, in Scotland, three banks hold that right: the Bank of
Scotland, the Royal Bank of Scotland, and Clydesdale Bank. To make it easier
to identify them, all three banks use the same colour scheme as England: £5
notes are blue, £10 notes are brown, £20 notes are purple, etc. 
Nowadays only the Royal Bank of Scotland issues £1 notes, and even though
they stopped regular production in 2001, you can still get them if you go into a
bank and ask for them. They are indeed a legal currency (see below) and can
be accepted at shops, but they are primarily used for cultural purposes like
wedding gifts or as souvenirs. It is estimated that the bank still issues about
£16,000 worth of £1 notes every month. 
In addition to that, RBOS will still issue the occasional commemorative £1 note
– the most recent was in 1999 to mark the inauguration of the Scottish
Parliament. Two years prior, in 1997, to commemorate the 150th birthday of
Scottish inventor Alexander Graham Bell, a £1 note was issued and was
notable in that it was the first banknote in the EU to include a hologram in its