John N. wrote in post #963524:
>
> def grab_settings
>    @set = Setting.first

     @set.company_name ||= 'My Company'

> end
>

Well, you could always read the Settings, then impose your own defaults 
inside the grab_settings method.  Any code outside that method has no 
idea whether the value was read, or set by you. It just knows that the 
value is filled.

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