Permissions - including and excluding

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Hello,
I have a few questions regarding permissions:

1. In permission settings of a page or block, if I exclude the group "Guest" from the "View" permission item, this means that anyone just visiting the site would not be able to view that page or block?

2. It looks like the default permissions include administrator for all permission items which means by default anyone in another group is excluded. Is there a way to change the default to include another group in addition to administrators?

3. Since all permission items initially include only administrators, this means that I do not need to exclude any groups from the beginning? (They are automatically excluded, right?)

Thanks!