def METHOD_NAME(settings):
    cluster_method_dict = {}
    for region in settings["model_regions"]:
        cluster_method_dict[region] = {}
        if region not in settings["cluster_by_owner_regions"]:
            for tech in settings["num_clusters"]:
                cluster_method_dict[region][tech] = cluster_kmeans
        else:
            if tech in settings["cluster_by_owner_regions"][region]:
                cluster_method_dict[region][tech] = cluster_by_owner
            else:
                cluster_method_dict[region][tech] = cluster_kmeans
    return cluster_method_dict