code: func NewAccount(setts *Settings) (Account, error) {
  	if setts == nil {
  		setts = DefaultSettings()
  	}
  	if err := initFuncs(setts); err != nil {
  		return nil, err
  	}
  	id, err := generateID(setts.AddrGen)
  	if err != nil {
  		return nil, errors.Wrap(err, "unable to generate account id")
  	}
  	return &account{id: id, setts: setts}, nil
  }
docs: // NewAccount creates a new account. If settings are nil, the account is
  // initialized with the default settings provided by DefaultSettings().