Mon ~/.Xdefaults :

!FOR URXVT:

! size matters:
URxvt*geometry: 74x27

! fonts:
!URxvt*font: -etl-fixed-medium-r-normal--18-180-72-72-c-90-viscii1.1-1
!URxvt*font: -*-freemono-medium-r-normal-*-15-*-*-*-*-*-*-*
!URxvt*font: xft:Liberation Mono:style=Regular:pixelsize=15
URxvt*font: xft:Inconsolata:style=Medium:pixelsize=18:antialias=true:hinting=true
!URxvt*font: xft:Monospace:style=Regular:pixelsize=15:antialias=true:hinting=true

! scrollbar:
URxvt*scrollBar: false
!URxvt*scrollBar_right: true
!URxvt*scrollColor: red4
!URxvt*scrollBar_floating: false
!URxvt*troughColor: #4444c0
!URxvt*saveLines: 1024
!URxvt*scrollstyle: plain

! colors:
URxvt*foreground: white
URxvt*background: black
URxvt*cursorColor: red4                                           
URxvt*tintColor: white                                            
URxvt*shading: 45
URxvt*inheritPixmap: true

! FOR RXVT:
! scrollbar:
Rxvt*scrollBar: false
!Rxvt*scrollBar_right: true
!Rxvt*scrollColor: red4
!Rxvt*scrollBar_floating: true
!Rxvt*troughColor: #4444c0
!Rxvt*saveLines: 1024

! colors:
Rxvt*foreground: white
Rxvt*background: black
Rxvt*cursorColor: red4

! XBOARD:
XBoard*boardSize: middling
! XBoard*noChessProgram: true
XBoard*firstChessProgram: phalanx
XBoard*ponderNextMove: false
XBoard*autoSaveGames: true
XBoard*clockMode: false

! XCALC:
xcalc*geometry: 200x275
xcalc.ti.bevel.background: #111111
xcalc.ti.bevel.screen.background: Black
xcalc.ti.bevel.screen.DEG.foreground: LightSeaGreen
xcalc.ti.bevel.screen.RAD.background: Black
xcalc.ti.bevel.screen.RAD.foreground: LightSeaGreen
xcalc.ti.bevel.screen.GRAD.background: Black
xcalc.ti.bevel.screen.GRAD.foreground: LightSeaGreen
xcalc.ti.bevel.screen.INV.background: Black
xcalc.ti.bevel.screen.INV.foreground: Red
xcalc.ti.bevel.screen.LCD.background: Black
xcalc.ti.bevel.screen.LCD.foreground: LightSeaGreen
xcalc.ti.bevel.screen.LCD.shadowWidth: 0
xcalc.ti.bevel.screen.M.background: Black
xcalc.ti.bevel.screen.M.foreground: LightSeaGreen
xcalc.ti.bevel.screen.P.background: Black
xcalc.ti.bevel.screen.P.foreground: Yellow
xcalc.ti.bevel.screen.DEG.background: Black
xcalc.ti.background: #333333
xcalc.ti.Command.foreground: White
xcalc.ti.Command.background: #777777
xcalc.ti.button5.background: Orange3
xcalc.ti.button19.background: #611161
xcalc.ti.button18.background: #611161
xcalc.ti.button20.background: #611111
xcalc.ti.button25.background: #722222
xcalc.ti.button30.background: #833333
xcalc.ti.button35.background: #944444
xcalc.ti.button40.background: #a55555
xcalc.ti.button22.background: #222262
xcalc.ti.button23.background: #222262
xcalc.ti.button24.background: #222272
xcalc.ti.button27.background: #333373
xcalc.ti.button28.background: #333373
xcalc.ti.button29.background: #333373
xcalc.ti.button32.background: #444484
xcalc.ti.button33.background: #444484
xcalc.ti.button34.background: #444484
xcalc.ti.button37.background: #555595
xcalc.ti.button38.background: #555595
xcalc.ti.button39.background: #555595

!NOTES:
!xrdb -load ~/.Xdefaults