```ruby
# encoding: UTF-8

Settings.defaults = {
  'payment_period' => 30.days,

  'modules.enabled'   => []
}
```

Make robust against missing config/application.rb
user
```ruby
# encoding: UTF-8

begin
  Settings.defaults = {
    'payment_period' => 30.days,

    'modules.enabled'   => []
  }
rescue
  Settings = {
    'payment.period' => 30.days,
    'modules.enabled' => []
  }
end
```
assistant