Pressing ⌅ to open a URL also works when caret is at the end

Previously when caret was placed immediately after a URL, the key would not work to open it. This is fixed by looking at the caret’s left scope as well as the right one.
Do not base64-obsfucate email addresses in links
Use selected text for URL (instead of clipboard content)
Do not fetch title from URL for HTTP links.
Define URL as tab stop (for HTML and Markdown)
Make “Wrap Selection as Link” available in all scopes.

Because it is also useful in comments, strings, ...
Use HTML link template as default for all scopes (unless overridden by more specific scope like Markdown, ...)
Use Mac OS system ruby (1.8).

Script does not work with Ruby 1.9, and '/usr/bin/env ruby' may be Ruby 1.9.