quiet' arg; Don't bind
`calc-settings-file'. Change all toplevel `setq' forms to `defvar' forms, and move them before their first use. Use `when', `unless'. Remove trailing periods from error forms. Add description and headers suggested by Emacs Lisp coding conventions.
own line, add "foo.el ends here" to each file, and update copyright date.
"~/.emacs"; use `read-file-name'.