Eric, I do not remember the wording in the previous request, but it doesn't really matter, because I think at that time this suggestion was a little different.
As I said, we should rename the Default Settings to say Default Account. The reason I think we should do that is that that the user will be clear on the function of this 'account'. IMO, it will become more clear that this is a catch-all and that it can be overriden with the Account specific options.
BTW, don't worry about me, because I've already fixed it to say Default Account. I just think it'll be easier for new users in the future.
Of course, if you wanted to make it very clear, you would call it Account of last resource. :rolleyes: