code: public static final void init() {
          String settingDir = System.getProperty(SETTINGS_DIR);
          if (settingDir == null) {
              settingDir = System.getenv(SETTINGS_DIR);
          }
          if (settingDir == null) {
              throw Fault.create(SettingsFaultCodes.SettingsDirNotSpecified, SETTINGS_DIR);
          }
          init(settingDir);
      }
docs: load the files from -Dcom.pahakia.settings.dir=directory