As a Scot who voted "Yes" I must admit I am disappointed with this result - but also not in the least surprised, this is pretty consistent with the polls.
However, thinking about it a bit more (even if it is 6am) - I'm actually pretty pleased with both the turnout and that 45% of people voted "Yes" - a few years ago that would have seemed crazy.
In some ways this reminds me of the devolution referendum of 1979 - while the result then was also a "No" it raised the topic as a realistic alternative so when there was another devolution referendum a generation later it passed easily so now we do have an independent Scottish Government which has a fair amount of power within Scotland (although no powers over things like foreign affairs and defence).
I suspect that, just as in '79, the UK is in for a lot of political upheaval over the next decade and I suspect that now that independence has been introduced as something to be seriously considered that in a generation or so it might also look more sensible than it did at first.
My immediate concern is that I hope that everyone can put the differences introduced by the campaign behind them.