diff -u xfwm4-4.6.2/src/settings.c xfwm4-4.6.2-modified/src/settings.c
--- xfwm4-4.6.2/src/settings.c	2010-05-21 20:02:40.000000000 +0300
+++ xfwm4-4.6.2-modified/src/settings.c	2010-07-17 22:44:32.094863464 +0300
@@ -194,15 +194,20 @@
 }
 
 static void
-loadRcData (ScreenInfo *screen_info, Settings *rc)
+loadDefaultRcData (ScreenInfo *screen_info, Settings *rc)
 {
-    gchar *homedir;
-
     if (!parseRc ("defaults", PACKAGE_DATADIR, rc))
     {
         g_warning ("Missing defaults file");
         exit (1);
     }
+}
+
+static void
+loadUserRcData (ScreenInfo *screen_info, Settings *rc)
+{
+    gchar *homedir;
+
     homedir = xfce_resource_save_location (XFCE_RESOURCE_CONFIG,
                                            "xfce4" G_DIR_SEPARATOR_S "xfwm4",
                                            FALSE);
@@ -727,9 +732,10 @@
 
     TRACE ("entering loadSettings");
 
-    loadRcData (screen_info, rc);
+    loadDefaultRcData (screen_info, rc);
     loadXfconfData (screen_info, rc);
     loadTheme (screen_info, rc);
+    loadUserRcData (screen_info, rc);
     update_grabs (screen_info);
 
     loadKeyBindings (screen_info);