Of course any projections about what would happen if we leave the EU are simply conjectures - that is why I don't understand why those arguing the case for either side can't seem to say how they believe 40+ years of membership of the EU has directly affected them as individuals or how they believe/hope staying or leaving will affect them in the future.

With respect both your's and Lynda's posts don't specify how the situations you outline have had an effect on you directly - I accept that both sides of the argument can cite situations where membership of the EU has been they believe a 'good' or 'bad' influence in general terms. 

Lynda mentioned opening a bank account, now changes in doing that could be classed as something that has a drect impact - coincidentally my wife opened a bank account with Santander for the local Rainbow group she runs, took one form and about ten minutes - a week later the account was set up and bank cards issued for three people.  Now I accept she may have been lucky, it may be different for an individual and so on and so on - the point is that if EU regulations have made it more difficult then I haven't personally experienced it but  am willing to listen to those who actually have rather than just general comments that there is a problem.