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def remove_insults(sentence)
  sentence.gsub(/#{%w( stupid moron dumbass retard ).join('|')}/i) { |insult| '*' * insult.size }
end
...

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500.times { puts((1..16).map { rand(10) }.to_s) }

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500.times { puts((1..16).inject('') { |a,n| a << '1234567890'[rand(10),1] }) }

# or
...

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# samples
# show_value_or_default(user, :phone)
# show_value_or_default(user2, :phone, "leeg")
...

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array_of_arrays_of_hashes = array_of_hashes.map { |e| e[:callid] }.uniq.inject([]) do |grouped_array, callid|
  grouped_array << array_of_hashes.select { |h| h[:callid] == callid }
end

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class Investment < Struct.new(:start_year, :start_value, :interest_rate)

  def value_at(year)
...

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CssObj = Struct.new(:selector, :attributes)
class CssObj
  def self.extract_file(filename)
...