@jimp quick response!
ok, started while wan was down would explain.
but 192.168.xx.1 can be a perfectly good default gateway ip whether there is a wan or not so kind of curious behavior. now that I have populated the default default I won't be bothered by it again but it cost me in down time after ISP was restored. it makes the advertised behavior on that page no longer a certainty, maybe add 'might' or 'should' there?