How do I get MariaDB clients to use UTF-8?  I don't have this problem with MySQL of the equivalent version.  I am trying to do this without issuing SET NAMES via the client.  I get latin1 with the cmd line client and php's mysqli driver.
PHP mysqli_get_charset:
print_r(mysqli_get_charset($link));
stdClass Object
(
    [charset] => latin1
    [collation] => latin1_swedish_ci
    [dir] => 
    [min_length] => 1
    [max_length] => 1
    [number] => 8
    [state] => 1
    [comment] => 
)
Here is the output from the command line client:
echo "show variables like 'char%';" | mysql -u root -p
Variable_name   Value
character_set_client    utf8
character_set_connection        utf8
character_set_database  latin1
character_set_filesystem        binary
character_set_results   utf8
character_set_server    latin1
character_set_system    utf8
character_sets_dir      /usr/share/mysql/charsets/
Here is my my.cnf file.
[client]
port            = 3306
socket          = /var/run/mysqld/mysqld.sock
default-character-set=utf8
[mysqld_safe]
socket          = /var/run/mysqld/mysqld.sock
nice            = 0
default-character-set=utf8
[mysqld]
user            = mysql
pid-file        = /var/run/mysqld/mysqld.pid
socket          = /var/run/mysqld/mysqld.sock
port            = 3306
basedir         = /usr
datadir         = /var/lib/mysql
tmpdir          = /tmp
lc-messages-dir = /usr/share/mysql
skip-external-locking
default-character-set  = utf8
default-collation      = utf8_general_ci
character_set_server   = utf8
collation_server       = utf8_general_ci
init_connect='SET NAMES utf8'
key_buffer              = 512M
max_allowed_packet      = 64M
thread_stack            = 192K
thread_cache_size       = 8
myisam-recover         = BACKUP
query_cache_limit       = 4M
query_cache_size        = 64M
expire_logs_days        = 10
max_binlog_size         = 100M
[mysqldump]
quick
quote-names
max_allowed_packet      = 64M
default-character-set=utf8
[mysql]
no-auto-rehash  # faster start of mysql but no tab completition
default_character_set=utf8
[isamchk]
key_buffer              = 128M
[client-server]
default-character-set=utf8
[client-mariadb]
default-character-set=utf8
!includedir /etc/mysql/conf.d/
 
     
    