IBSA coding exercise

Address all the TODO's in this repo.

TODO:

1. Clone this repo (don't fork it).
2. Change the code as need be. Feel free to use whatever best practice you choose like adding tests, gemfiles, rvmrc files. Commit your changes to your local repo as you see fit.
3. Zip up your modified repo and email it to me

Note that tests, specs, and clear commit messages all bring good karma.

License

Copy, change, hack, fork, clone, modify, enhance, extend, ... do whatever you want with this repo, subject only to the following rules:

1. Don't publicly display your answers to these exercises.
2. Don't remove this rule or rule 1.