Have you decided yet?

Many of us still haven't a clue whether we are Leave or Remain, despite millions of words uttered and written on the subject.

Here is a handy guide from consumer expert Martin Lewis.

The founder of Money Saving Expert says that we’ll never truly know the right answer to this Thursday’s EU vote, as we will only ever discover how one outcome turns out.

The European flag

The broadcaster reminds us that the decision affects everything from our economy to our security.

He says:

  • There are no facts and that we need to "embrace the uncertainty"
  • Anyone who tells you they KNOW what’ll happen if we leave is talking nonsense
  • Predicting exact numbers for economic or immigration change is risible

The consumer champion urges us to do a risk assessment before casting our vote.

"Leaving is unquestionably economically riskier than staying. Yet don’t automatically read risk as a bad thing. It simply means there’s more uncertainty - a greater variance of possible outcomes."

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Mr Lewis says leaving the EU could leave the country a "shrinking power" left on the sidelines.

Or we could in the long run become a nimble low-tax, low-regulation, tiger economy with unfettered trading across the globe.

"The likely truth is somewhere in between. Most independent analysis does suggest Brexit will be economically detrimental, and on balance I think a wobble of uncertainty is more likely, at least in the short to medium term."

The economic argument tips the balance in favour of Remain, says Mr Lewis.

He said: "So in summary, with the economic argument, if you’re thinking you don’t want to risk the economy going bad, vote Remain.

"If you’re thinking things are so poor already you’ll risk it getting worse in the hope it could get better, vote Leave."

When you vote, "base your decision on your political attitude to the EU, your gut instinct, and how risk-averse

you are on each issue that matters to you," he adds.

His own view is that we should stick with the EU.

"Personally, having weighed up all the elements, as I’m generally risk-averse, it pushes me just towards an IN vote for safety, maybe 55 per cent to 45 per cent.

"Yet just as my dream holiday isn’t necessarily yours, no more is my choice here a call for you to follow me. Far better is follow the logic and choose for yourself."