Have been studying a three year course at chessmasterschool.com since July 2009. I think of it like Chess University and I owe a lot to their teaching.
My Understanding of the Rules here ( 3b) is that Players can make use of reference material during Games including Printed Material and Data Bases. I make use of reference materials during games including the Lessons from the Chess Masters School and My own check list.
UPDATE. 06/3/2012
Due to work commitments It may be some time before I can return to playing chess.
Tournament Entry Rating is calculated by the formula (CurrentRating + HighestRating) / 2. The entry rating will never drop to more than 100 points below your Highest Rating.
Rated stats are updated within 24 hours of the last completed rated game.