diff --git a/examples/demo/env.in b/examples/demo/env.in
new file mode 100644
index 0000000..e3d284e
--- /dev/null
+++ b/examples/demo/env.in
@@ -0,0 +1,9 @@
+# env.in - input (example file) for .env file
+
+SCOPES_LOGLEVEL=debug
+#SCOPES_LOGLEVEL=warn
+SCOPES_SERVER_PORT=8123
+SCOPES_DOCROOT=~/html/public
+
+SCOPES_SQLITE_CONNSTR=data/scopes.sqlite
+SCOPES_PGSQL_CONNSTR="user=testuser password=secret dbname=testdb"
diff --git a/examples/demo/etc/etc.go b/examples/demo/etc/etc.go
index f9e0296..5355692 100644
--- a/examples/demo/etc/etc.go
+++ b/examples/demo/etc/etc.go
@@ -44,7 +44,8 @@ func Config() lib.Config {
 }
 
 // collect here the names of fields that may be overridden via
-// explicit Override() or SCOPES_* environment settings.
+// explicit Overrides() or SCOPES_* environment settings
+// (via .env or explicit setting of environment variables).
 const (
 	HOME          = "home"
 	LOGFILE       = "logfile"
@@ -53,11 +54,3 @@ const (
 	DOCROOT       = "docroot"
 	PGSQL_CONNSTR = "pgsql_connstr"
 )
-
-// put something like this (without comment markup)
-// in separate (non-versioned) settings.go file:
-/*func Overrides() config.Settings {
-	return config.Settings{
-		SERVER_PORT: "8126",
-	}
-}*/
diff --git a/tests/etc/etc.go b/tests/etc/etc.go
index c785e50..e3349ff 100644
--- a/tests/etc/etc.go
+++ b/tests/etc/etc.go
@@ -13,7 +13,6 @@ import (
 )
 
 func Config() lib.Config {
-	//ovr := Overrides().Use
 	ovr := config.Overrides("env-test").Use
 	b := config.Base
 
@@ -54,7 +53,8 @@ var (
 )
 
 // collect here the names of fields that may be overridden via
-// explicit Override() or SCOPES_* environment settings.
+// explicit Overrides() or SCOPES_* environment settings
+// (via .env or explicit setting of environment variables).
 const (
 	HOME        = "home"
 	LOGFILE     = "logfile"
@@ -62,12 +62,3 @@ const (
 	SERVER_PORT = "server_port"
 	SERVER_URL  = "server_url"
 )
-
-// in a production scenario this should be put in a separate
-// file `settings.go` that should not be stored in code repository.
-func Overrides() config.Settings {
-	return config.Settings{
-		//HOME: "tests",
-		LOGLEVEL: "debug",
-	}
-}
diff --git a/tests/etc/etc_sql.go b/tests/etc/etc_sql.go
index f34fc7d..0db77da 100644
--- a/tests/etc/etc_sql.go
+++ b/tests/etc/etc_sql.go
@@ -6,7 +6,7 @@ import (
 )
 
 func ConfigSqlite() *sql.Cfg {
-	ovr := OverridesSql().Use
+	ovr := config.Overrides("env-test").Use
 	return &sql.Cfg{
 		Driver:  "sqlite",
 		Connstr: ovr("somefile.sqlite", SQLITE_CONNSTR),
@@ -14,7 +14,6 @@ func ConfigSqlite() *sql.Cfg {
 }
 
 func ConfigPgsql() *sql.Cfg {
-	//ovr := OverridesSql().Use
 	ovr := config.Overrides("env-test").Use
 	return &sql.Cfg{
 		Driver:  "postgres",
@@ -24,19 +23,10 @@ func ConfigPgsql() *sql.Cfg {
 }
 
 // collect here the names of fields that may be overridden via
-// explicit Override() or SCOPES_* environment settings.
+// explicit Overrides() or SCOPES_* environment settings
+// (via .env or explicit setting of environment variables).
 const (
 	SQLITE_CONNSTR = "sqlite_connstr"
 	PGSQL_CONNSTR  = "pgsql_connstr"
 	PGSQL_SCHEMA   = "pgsql_schema"
 )
-
-// in a production scenario this should be put in a separate
-// file `settings.go` that should not be stored in code repository.
-func OverridesSql() config.Settings {
-	return config.Settings{
-		//SQLITE_CONNSTR: ":memory",
-		SQLITE_CONNSTR: "data/scopes.sqlite",
-		PGSQL_CONNSTR:  "user=ccotest password=cco dbname=scpstest",
-	}
-}