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The Neil Gehrels Swift Observatory followed up 18 gravitational wave (GW) triggers from the LIGO/Virgo collaboration during the O3 observing run in 2019/2020, performing approximately 6500 pointings in total. Of these events, four were finally classified (if real) as binary black hole (BH) triggers, six as binary neutron star (NS) events, two each of NSBH and Mass Gap triggers, one an unmodelled (Burst) trigger, and the remaining three were subsequently retracted. Thus far, four of these O3 triggers have been formally confirmed as real gravitational wave events. While no likely electromagnetic counterparts to any of these GW events have been identified in the X-ray data (to an average upper limit of 3.60 x 10^{-12} erg cm^{-2} s^{-1} over 0.3-10 keV), or at other wavelengths, we present a summary of all the Swift-XRT observations performed during O3, together with typical upper limits for each trigger observed. The majority of X-ray sources detected during O3 were previously uncatalogued; while some of these will be new (transient) sources, others are simply too faint to have been detected by earlier survey missions such as ROSAT. The all-sky survey currently being performed by eROSITA will be a very useful comparison for future observing runs, reducing the number of apparent candidate X-ray counterparts by up to 95 per cent., Comment: 23 pages (including 4 pages of references, and a 4 page table in the appendix), 5 figures (4 in colour), accepted for publication in MNRAS. (Replaced due to annoying spelling typo in the abstract.)

The bright transient AT2018cow has been unlike any other known type of transient. Its high brightness, rapid rise and decay and initially nearly featureless spectrum are unprecedented and difficult to explain using models for similar burst sources. We present evidence for faint gamma-ray emission continuing for at least 8 days, and featureless spectra in the ultraviolet bands -- both unusual for eruptive sources. The X-ray variability of the source has a burst-like character. The UV-optical spectrum does not show any CNO line but is well described by a blackbody. We demonstrate that a model invoking the tidal disruption of a 0.1 - 0.4 Msun Helium White Dwarf (WD) by a 100,000 to one million solar mass Black Hole (BH) located in the outskirts of galaxy Z~137-068 could provide an explanation for most of the characteristics shown in the multi-wavelength observations. A blackbody-like emission is emitted from an opaque photosphere, formed by the debris of the WD disruption. Broad features showing up in the optical/infrared spectra in the early stage are probably velocity broadened lines produced in a transient high-velocity outward moving cocoon. The asymmetric optical/infrared lines that appeared at a later stage are emission from an atmospheric layer when it detached from thermal equilibrium with the photosphere, which undergoes more rapid cooling. The photosphere shrinks when its temperature drops, and the subsequent infall of the atmosphere produced asymmetric line profiles. Additionally, a non-thermal jet might be present, emitting X-rays in the 10-150 keV band.