private void applyDefaults(QuerySettings settings) {
        Map<String, Object> settingsMap = settings.getAllSettings();

        String key = ClientConfigProperties.USE_SERVER_TIMEZONE.getKey();
        if (!settingsMap.containsKey(key) && configuration.containsKey(key)) {
            settings.setOption(key, MapUtils.getFlag(configuration, key));
        }

        key = ClientConfigProperties.USE_TIMEZONE.getKey();
        if ( !settings.getUseServerTimeZone() && !settingsMap.containsKey(key) && configuration.containsKey(key)) {
            settings.setOption(key, TimeZone.getTimeZone(configuration.get(key)));
        }

        key = ClientConfigProperties.SERVER_TIMEZONE.getKey();
        if (!settingsMap.containsKey(key) && configuration.containsKey(key)) {
            settings.setOption(key, TimeZone.getTimeZone(configuration.get(key)));
        }
    }
<p>Create an instance of {@link ClickHouseBinaryFormatReader} based on response. Table schema is option and only
 required for {@link ClickHouseFormat#RowBinaryWithNames}, {@link ClickHouseFormat#RowBinary}.
 Format {@link ClickHouseFormat#RowBinaryWithDefaults} is not supported for output (read operations).</p>
@param response
@param schema
@return
client-v2/src/main/java/com/clickhouse/client/api/Client.java