<p>For anyone who gets <code>ActionView::Template::Error: couldn't find file 'settings.local.yml'</code> or similar when first setting up your environment, then this issue is the root cause. You need to create an empty file in <code>config/settings.local.yml</code>, for example by running:</p>
<div class="highlight highlight-source-shell"><pre>$ touch config/settings.local.yml</pre></div>

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