def default(adjective, user, options = {})
      user_and_maybe_options = self.class.send(:user_and_maybe_options, user, options)
      self.class.send(:"#{adjective}_by?", *user_and_maybe_options)
    end
def default(adjective, user, options = {})
      user_and_maybe_options = self.class.send(:user_and_maybe_options, user, options)
      self.class.send(:"#{adjective}_by?", *user_and_maybe_options)
    end
the instance default method calls the class default method