Auto-fill option

[Michael Satterwhite <satterwh.X$NO$S$PAM@weblore.com>]

I've searched the web and found several people asking this, but no answers.

Auto-fill mode is incredibly annoying to me. Unfortunately, I can't find any
way to make it default to off. I've changed the option and used the "Save
Options" function, but it still comes up as auto-fill on.

I've added the following lines to my .emacs (and to .xemacs/init.el)

        (setq default-major-mode 'text-mode)
        (add-hook 'text-mode-hook 'turn-off-auto-fill)

and it still comes up with auto-fill on. There has got to be some
way to get this to default to off.

Would someone be so kind as to let me in on the secret?

tia
---Michael