>
> Anyone know when you do and don't need to place ''s around the string
> terminator?
>

You don't, really, but it is better to use '', to have other
programmers not think you are actually appending a previously defined
constant (and prevent your program mis-behaving because of that).

You also do need "" if you expect #{} to work, thou.

Also, you may want to get into the habit of using:

<<-'EOF'
EOF

The '-' makes sure that Ruby will still read the block properly even if
someone else touches the code and makes the EOF not show up in the
first column.