Django 4.1+ -- fix HTML templates not being updated in development.

settings.py

# Starting with Django 4.1+ we need to pick which template loaders to use
# based on our environment since 4.1+ will cache templates by default.
default_loaders = [
    "django.template.loaders.filesystem.Loader",
    "django.template.loaders.app_directories.Loader",
]

cached_loaders = [("django.template.loaders.cached.Loader", default_loaders)]

TEMPLATES = [
    {
        "BACKEND": "django.template.backends.django.DjangoTemplates",
        "DIRS": [os.path.join(BASE_DIR, "templates")],
        "OPTIONS": {
            "context_processors": [
                "django.template.context_processors.debug",
                "django.template.context_processors.request",
                "django.contrib.auth.context_processors.auth",
                "django.contrib.messages.context_processors.messages",
            ],
            "loaders": default_loaders if DEBUG else cached_loaders,
        },
    },
]