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+Program Settings handler
+------------------------
+
+``from tools.conf import settings``
+
+Settings will be loaded from several ``.yaml`` or ``.yml`` files and any
+user provided settings files.
+
+So, that user can use these settings values across program.
+
+This utility loads settings from yaml files in form of key and value
+where key is always ``string`` while value can be of type python:
+
+-  ``int`` e.g. 5, 45, 1234
+-  ``str`` e.g. hello, world
+-  ``float`` e.g. 34.56, 12.7
+-  ``list`` e.g. [ ‘month’ , ‘is’, 45 ]
+-  ``dict`` e.g. {‘program’: ‘sdv’, ‘language’: ‘python’}
+-  ``bool`` e.g. True, False
+
+keys are case-insensitive
+^^^^^^^^^^^^^^^^^^^^^^^^^
+
+The utility is case-insensitive to keys used as it automatically
+converts all keys to lower case.
+
+E.g. ``Program : sdv``, ``program : sdv``, ``PrOgRam : sdv`` all are
+same.
+
+-  ``settings.load_from_file(path/to/file)``
+-  ``settings.load_from_env()``
+-  ``settings.load_from_dir(directory/to/search/yamls)``
+
+``settings.load_from_dir()`` reads all yaml files in given directory and
+all it’s sub-directory recursively in ascending order, hence if a
+configuration item exists in more than one file, then the setting in the
+file that occurs in the last read file will have high precedence and
+overwrite previous values. .
+\ No newline at end of file