text: import os
  
  from scanapi.yaml_loader import load_yaml
  
  SETTINGS_FILE = ".scanapi.yaml"
  DEFAULT_SETTINGS = {"spec_path": "api.yaml", "reporter": "markdown"}
  
  
  def settings():
      if not os.path.isfile(SETTINGS_FILE):
          return DEFAULT_SETTINGS
  
      user_config = load_yaml(SETTINGS_FILE)
      return {**DEFAULT_SETTINGS, **user_config}
  
  
  SETTINGS = settings()
  