```ruby
require 'rubygems'
require 'active_support/inflector'
require 'rspec'
require 'webmock/rspec'
require 'vcr'
require 'isbm_adaptor'

if ENV['COVERAGE'] == 'on'
  require 'coveralls'
  Coveralls.wear!
end

settings = YAML.load_file(File.expand_path(File.dirname(__FILE__)) + '/../config/settings.yml')['test']
ENDPOINTS = settings['endpoints']
OPTIONS = settings['options']

VCR.configure do |c|
  c.cassette_library_dir = 'spec/cassettes'
  c.hook_into :webmock
  c.configure_rspec_metadata!
end
```

Fix require order for accurate test coverage
user
```ruby
require 'rubygems'
require 'active_support/inflector'
require 'rspec'
require 'webmock/rspec'
require 'vcr'

if ENV['COVERAGE'] == 'on'
  require 'coveralls'
  Coveralls.wear!
end

require 'isbm_adaptor'

settings = YAML.load_file(File.expand_path(File.dirname(__FILE__)) + '/../config/settings.yml')['test']
ENDPOINTS = settings['endpoints']
OPTIONS = settings['options']

VCR.configure do |c|
  c.cassette_library_dir = 'spec/cassettes'
  c.hook_into :webmock
  c.configure_rspec_metadata!
end
```
assistant