```ruby
require_relative 'boot'

require "rails"
# Pick the frameworks you want:
require "active_model/railtie"
# require "active_job/railtie"
# require "active_record/railtie"
require "action_controller/railtie"
# require "action_mailer/railtie"
require "action_view/railtie"
# require "action_cable/engine"
require "sprockets/railtie"
# require "rails/test_unit/railtie"

# Require the gems listed in Gemfile, including any gems
# you've limited to :test, :development, or :production.
Bundler.require(*Rails.groups)

module Pkb
  class Application < Rails::Application
    # Settings in config/environments/* take precedence over those specified here.
    # Application configuration should go into files in config/initializers
    # -- all .rb files in that directory are automatically loaded.
    config.autoload_paths << Rails.root.join('lib')

    def settings
      @settings ||= begin
        settings = ActiveSupport::OrderedOptions.new
        yaml = Rails.root.join('config', 'settings.yml')
        file_settings = YAML.load(IO.read(yaml)) || {}
        settings.merge!(file_settings.symbolize_keys)

        settings
      end
    end
  end
end
```

Fix eager loading on production
user
```ruby
require_relative 'boot'

require "rails"
# Pick the frameworks you want:
require "active_model/railtie"
# require "active_job/railtie"
# require "active_record/railtie"
require "action_controller/railtie"
# require "action_mailer/railtie"
require "action_view/railtie"
# require "action_cable/engine"
require "sprockets/railtie"
# require "rails/test_unit/railtie"

# Require the gems listed in Gemfile, including any gems
# you've limited to :test, :development, or :production.
Bundler.require(*Rails.groups)

module Pkb
  class Application < Rails::Application
    # Settings in config/environments/* take precedence over those specified here.
    # Application configuration should go into files in config/initializers
    # -- all .rb files in that directory are automatically loaded.
    config.eager_load_paths << Rails.root.join('lib')

    def settings
      @settings ||= begin
        settings = ActiveSupport::OrderedOptions.new
        yaml = Rails.root.join('config', 'settings.yml')
        file_settings = YAML.load(IO.read(yaml)) || {}
        settings.merge!(file_settings.symbolize_keys)

        settings
      end
    end
  end
end
```
assistant