code: func NewDefaultClientConfigLoadingRules() *ClientConfigLoadingRules {
  	chain := []string{}
  
  	envVarFiles := os.Getenv(RecommendedConfigPathEnvVar)
  	if len(envVarFiles) != 0 {
  		fileList := filepath.SplitList(envVarFiles)
  		// prevent the same path load multiple times
  		chain = append(chain, deduplicate(fileList)...)
  
  	} else {
  		chain = append(chain, RecommendedHomeFile)
  	}
  
  	return &ClientConfigLoadingRules{
  		Precedence:     chain,
  		MigrationRules: currentMigrationRules(),
  	}
  }
docs: // NewDefaultClientConfigLoadingRules returns a ClientConfigLoadingRules object with default fields filled in.  You are not required to
  // use this constructor