In my new forum (v6.4.2) located at
http://forum.riverfolkfestival.org/ubbthreads.php?Cat=Visitors (who can view but not post) apparently only see the first posting until clicking on "+ Expand" which they likely will not understand.
Registered users (who can view and post) can set the threads to expand to see it all, which they likely will not understand, but this is not the default.
Can I change this default setting in a config to expand all threads by default?