Exception in thread “main” need help!!

[nyciltnt]

Exception in thread "main" java.lang.NullPointerException
at com.charlatano.Charlatano.loadSettings(Charlatano.kt:91)
at com.charlatano.Charlatano.main(Charlatano.kt:43)
at com.charlatano.Charlatano.main(Charlatano.kt)
Press any key to continue . . .