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One question I have recently been pondering is that the use of apostrophes in ALT attributes and anchor text seems to cause some erratic results from the 'Fetch as BingBot' tool...  GWT doesn't color code the results so i only notice it with BingBot, although i can't necessarily tell that it causes any negative effects.  My rankings on Bing are erratic though so who knows... Should I encode apostrophes as ' when i use them in html?  Or will it not really matter?

I've been wondering this for quite awhile so I figured I should just ask. Suppose my website has 5 categories and the url structure looks like: www.mysite.com/category1/ www.mysite.com/category2/ do I also want to create a landing page for the above categories at the same URL depth as the homepage of the site? www.mysite.com/category1.html OR what about: www.mysite.com/category1/index.html Which  is a better way to do this? Also, if your site began as fairly small and your 5 categories were your only other pages other than index, about, and contact pages (meaning you really had no reason to create separate directories), then as time passes, you decide to add 3 subcategory pages that would fit into a page: www.mysite.com/category1.html would you add a folder with he same name as the html page, and then rename the html file as index.html and place it into the new folder?