I expect it was probaby,
Quote:
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The XML settings file may be corrupt or unusable. Loading defaults where applicable.
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Which is sort of a lie. It doesn't load defaults, it merely doesn't change the defaults at this point.
Essentially the error means that the file was extremely corrupted and the XML parser couldn't even begin to read it. ACT does not use a DOM parser for loading settings but a pull parser. If you delete the bottom half of the config file, ACT will still read every single setting it is able to before producing an error.
If a line in the middle of the config file is corrupted, several things may happen depending on the type of corruption. Unclosed quotations could cause the above error. Unclosed XML tags could cause an error at the end but not affect anything. Invalidly formed XML tags could cause an error and halt the XML parsing at that point.