diff --git a/Baccarat/Baccarat/Models/GameSettings.swift b/Baccarat/Baccarat/Models/GameSettings.swift
index 44ba86a..4095207 100644
--- a/Baccarat/Baccarat/Models/GameSettings.swift
+++ b/Baccarat/Baccarat/Models/GameSettings.swift
@@ -100,7 +100,7 @@ final class GameSettings {
     // MARK: - Betting Limits
     
     /// The table limits preset.
-    var tableLimits: TableLimits = .low
+    var tableLimits: TableLimits = .casual
     
     /// Minimum bet amount.
     var minBet: Int {
@@ -115,7 +115,7 @@ final class GameSettings {
     // MARK: - Starting Balance
     
     /// The starting balance for new games.
-    var startingBalance: Int = 10_000
+    var startingBalance: Int = 1_000
     
     // MARK: - Animation Settings
     
@@ -369,8 +369,8 @@ final class GameSettings {
     /// Resets all settings to defaults.
     func resetToDefaults() {
         deckCount = .eight
-        tableLimits = .low
-        startingBalance = 10_000
+        tableLimits = .casual
+        startingBalance = 1_000
         showAnimations = true
         dealingSpeed = 1.0
         showCardsRemaining = true
diff --git a/Blackjack/Blackjack/Models/GameSettings.swift b/Blackjack/Blackjack/Models/GameSettings.swift
index 69b6205..d68e81f 100644
--- a/Blackjack/Blackjack/Models/GameSettings.swift
+++ b/Blackjack/Blackjack/Models/GameSettings.swift
@@ -114,7 +114,7 @@ final class GameSettings {
     // MARK: - Betting Limits
     
     /// The table limits preset.
-    var tableLimits: TableLimits = .low { didSet { save() } }
+    var tableLimits: TableLimits = .casual { didSet { save() } }
     
     /// Minimum bet amount.
     var minBet: Int { tableLimits.minBet }
@@ -125,7 +125,7 @@ final class GameSettings {
     // MARK: - Starting Balance
     
     /// The starting balance for new games.
-    var startingBalance: Int = 10_000 { didSet { save() } }
+    var startingBalance: Int = 1_000 { didSet { save() } }
     
     // MARK: - Animation Settings
     
@@ -286,12 +286,12 @@ final class GameSettings {
     func resetToDefaults() {
         gameStyle = .vegas
         deckCount = .six
-        tableLimits = .low
-        startingBalance = 10_000
+        tableLimits = .casual
+        startingBalance = 1_000
         dealerHitsSoft17 = false
         doubleAfterSplit = true
         resplitAces = false
-        lateSurrender = true
+        lateSurrender = false
         noHoleCard = false
         blackjackPayout = 1.5
         insuranceAllowed = true