Photoshop :: Grids And The Golden Section

Ive been looking in to grids and the golden section for design. Having had no formal graphic design training i find it very interesting.

I understand that the golden section is a ratio that is naturally aesthetically pleasing to the eye and that it can be found at 68% off a 100% length line. i.e: if you had a 100cm line, 68cms along would be the golden section and design based on this division should be on the way to looking balanced.

Now ive tried applying this to alot of web sites and none seem to adhere to it really. Ive been using this software on a free trial by a company called atrise. Its a resizable grid that floats on other windows, which constantly shows the golden section ratios. As i say not many websites use it as far as i can see.

Ive also been looking in to grid design which is closley tied to typography and, in fact, the design of a grid should be geverned, to some extent, by the size of the text.

What i want to know is, is there any way of combining the golden section rules and grid design. I cant put the two together for some reason. Im looking for someone with a good undrstanding of both to enlighten me!