You are an expert in writing code in many different languages. Your goal is to perform code completion for the following code, keeping in mind the rest of the code and the file meta data.
    Metadata details:
    filename: ability.rb
    path of file: ./repos/trado/app/models
    
    the code of the file until where you have to start completion: # Ability documentation

    
    def initialize user
        if user.blank? or user.roles.empty?
            user ||= User.new
            guest_permissions
        else 
            user_permissions
        end