Support Rails 4.0, added Coveralls back without private token, minor cleanup

Updated to Rails 4.0
Changed Travis-ci supported Rubies to MRI 1.9.3, MRI 2.0.0, jruby-19mode
Changed Travis-ci Rails versions to  4.0.0, 3.2.13, 3.1.12
Added coveralls back, minus private token
Latest codeclimate badge
Have guard reload .html on .md change