About gummy's web site, it is still there. <a href="http://www.gummy-stuff.org/" rel="nofollow" target="_blank">http://www.gummy-stuff.org/</a> but as he says it will be going soon. You can read more about it here. <a href="http://www.bogleheads.org/forum/viewtopic.php?t=34502&start=0&postdays=0&postorder=asc&highlight=gummy" rel="nofollow" target="_blank">http://www.bogleheads.org/forum/viewtopic.php?t=34502&start=0&postdays=0&postorder=asc&highlight=gummy</a> In the middle of the page someone has made a zip file of gummy's web site if you want it. Also <a href="http://www.financialwebring.org/" rel="nofollow" target="_blank">http://www.financialwebring.org/</a> has gummy's permmision, and has put up the web site there.