In the past there has been servers and situations
where one needed to add ./ in order to get the include or link to work.
So sometimes one needed to add ./
Today I find there is not so often we need to add ./
But good to know.
If it works not with include 'settings.php'
one could try with include './settings.php' and see if that works better.
Not only in includes we can use this. In URL, too:
<a href="../index.php">Home</a>
You might have seen this in directory listings:
.
..
afile
bfile
cfile
Clicking the one dot is for the current directory itself. You stay where you are.
Clicking the two dots is for get up to parent directory listing
So it is same function as
./ stay in the same
../ up one directory