*EDIT* Well I found the obvious problem. Yes, it was a gateway issue. Anyway, for those that are looking for a working VPN config with this hardware... this is a good start.
I have a 2811 + HWIC-4ESW, FA0/0 and FA0/1 are ISP links, FA0/0/0 is my physical LAN switchport, and VLAN10 is a flat subnet LAN.
See attached config.