XHRSettings = function (responseType, async, user, password, timeout, withCredentials)
{
    if (responseType === undefined) { responseType = ''; }
    if (async === undefined) { async = true; }
    if (user === undefined) { user = ''; }
    if (password === undefined) { password = ''; }
    if (timeout === undefined) { timeout = 0; }
    if (withCredentials === undefined) { withCredentials = false; }

    // Before sending a request, set the xhr.responseType to "text",
    // "arraybuffer", "blob", or "document", depending on your data needs.
    // Note, setting xhr.responseType = '' (or omitting) will default the response to "text".

    return {

        //  Ignored by the Loader, only used by File.
        responseType: responseType,

        async: async,

        //  credentials
        user: user,
        password: password,

        //  timeout in ms (0 = no timeout)
        timeout: timeout,

        //  setRequestHeader
        headers: undefined,
        header: undefined,
        headerValue: undefined,
        requestedWith: false,

        //  overrideMimeType
        overrideMimeType: undefined,

        //  withCredentials
        withCredentials: withCredentials

    };
}
Creates an XHRSettings Object with default values.

@function Phaser.Loader.XHRSettings
@since 3.0.0

@param {XMLHttpRequestResponseType} [responseType=''] - The responseType, such as 'text'.
@param {boolean} [async=true] - Should the XHR request use async or not?
@param {string} [user=''] - Optional username for the XHR request.
@param {string} [password=''] - Optional password for the XHR request.
@param {number} [timeout=0] - Optional XHR timeout value.
@param {boolean} [withCredentials=false] - Optional XHR withCredentials value.

@return {Phaser.Types.Loader.XHRSettingsObject} The XHRSettings object as used by the Loader.