design for cascaded settings

I'm try to figure out a design to store settings (preferences) in a database.
let's assume 3 levels
- a general (= default settings)
- group level
- user level
(a user belongs to a group)

group- and user- settings overwrite the general settings and are normally a subset of all possible values.
----------------------------
this could be an example:
general:
- color = black
- lang = en
- size = 5
group1:
- lang = fr
user1:
- size = 6
(user1 belongs to group1)
----------------------------
the query to get all the settings for user1 should return the following values:
- color = black
- lang = fr
- size = 6
----------------------------
I know, there are other solutions than using a database and it could be a massive overkill, but I'm interested in possible designs.
Thank you for any comment!

Phil