The Default Pattern setting allows an administrator to set this delivery or billing pattern as the default delivery or billing pattern for the product. If a product delivery case is created automatically, the default product delivery or billing pattern is automatically assigned to the case nominee(s). For example, automatic overpayment case creation will assign the default delivery pattern for overpayment product to the case nominees. When a product delivery case is created manually, this default can be overridden on a case by case basis.