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disabling payment types by default

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When adding a product all the payment types, (monthly, annually, semi-anually etc) are set to 0.00 (FREE) by default.
We are really finding this to be a problem as often new products get added and we usually only set MONTHLY and ANUALLY and often forget to set the rest to -1 to disable them, which means they are FREE on the site.

It would seem much more sensible to have "-1" disabled as the default setting to avoid this issue, is there any way to change this ?

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