Defaulting TimeData to "now" has offset issues

[ctsims]

A form created where a TimeData question has the default value of

format-date(now(), '%H:%M:%S')

should be initialized to the current time, but doing so on Oct 27, 2020 in the US Eastern timezone (likely others) results in the value being displayed to the user being 1 hour early (10am v. 11am, etc).

This is quite likely because the time value is being cast against an Epoch date in one instance (which is UTC-5 in US Eastern on Jan 1) and against the current date in another (which is UTC-4 in US Eastern on Oct 27)