(defun line-contains (regexp)
  "Return true if the current line contains the passed regular expression."
  (save-excursion
    (beginning-of-line)
    (search-forward-regexp regexp (point-at-eol) t)))

((or (line-contains "^.")
     (line-contains "^#"))

if ($default)

((or (line-contains "^\.")
     (line-contains "^#"))