Ok, That got me to this: (WIth setting at 1)

arning: main(includes/templates/template_default/sideboxes/tpl_store_credit.php): failed to open stream: No such file or directory in /home/rblibrary.com/www/rblibrary/includes/modules/sideboxes/store_credit.php on line 24

Fatal error: main(): Failed opening required 'includes/templates/template_default/sideboxes/tpl_store_credit.php' (include_path='.:/usr/local/lib/php') in /home/rblibrary.com/www/rblibrary/includes/modules/sideboxes/store_credit.php on line 24