java.util.Properties$LineReader.readLine(Unknown Source) on opensaml1.1

I am getting following error while running the code below. Any help would be appreciated.

java.lang.NullPointerException
      at java.util.Properties$LineReader.readLine(Unknown Source)
      at java.util.Properties.load(Unknown Source)
      at org.opensaml.SAMLConfig.loadProperties(SAMLConfig.java:191)
      at org.opensaml.SAMLConfig.<init>(SAMLConfig.java:83)
      at org.opensaml.SAMLConfig.instance(SAMLConfig.java:152)
      at org.opensaml.SAMLBrowserProfileFactory.getInstance(SAMLBrowserProfileFactory.java:72)
      at com.SSOTest.SAMLAssertionCreator.createSAML(SAMLAssertionCreator.java:46)
      at org.apache.jsp.NCRSalesCentral_jsp._jspService(NCRSalesCentral_jsp.java:67)
      at org.apache.jasper.runtime.HttpJspBase.service(HttpJspBase.java:70)
      at javax.servlet.http.HttpServlet.service(HttpServlet.java:717)
      at org.apache.jasper.servlet.JspServletWrapper.service(JspServletWrapper.java:374)
      at org.apache.jasper.servlet.JspServlet.serviceJspFile(JspServlet.java:342)
      at org.apache.jasper.servlet.JspServlet.service(JspServlet.java:267)
      at javax.servlet.http.HttpServlet.service(HttpServlet.java:717)
      at org.apache.catalina.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:290)
      at org.apache.catalina.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:206)
      at org.apache.catalina.core.StandardWrapperValve.invoke(StandardWrapperValve.java:233)
      at org.apache.catalina.core.StandardContextValve.invoke(StandardContextValve.java:191)
      at org.apache.catalina.core.StandardHostValve.invoke(StandardHostValve.java:128)
      at org.apache.catalina.valves.ErrorReportValve.invoke(ErrorReportValve.java:102)
      at org.apache.catalina.core.StandardEngineValve.invoke(StandardEngineValve.java:109)
      at org.apache.catalina.connector.CoyoteAdapter.service(CoyoteAdapter.java:286)
      at org.apache.coyote.http11.Http11Processor.process(Http11Processor.java:845)
      at org.apache.coyote.http11.Http11Protocol$Http11ConnectionHandler.process(Http11Protocol.java:583)
      at org.apache.tomcat.util.net.JIoEndpoint$Worker.run(JIoEndpoint.java:447)
      at java.lang.Thread.run(Unknown Source)

import org.opensaml.ReplayCacheFactory;
import org.opensaml.SAMLAssertion;
import org.opensaml.SAMLAuthenticationStatement;
import org.opensaml.SAMLBrowserProfile;
import org.opensaml.SAMLBrowserProfileFactory;
import org.opensaml.SAMLIdentifier;
import org.opensaml.SAMLIdentifierFactory;
import org.opensaml.SAMLNameIdentifier;
import org.opensaml.SAMLResponse;
import org.opensaml.SAMLSubject;
import org.opensaml.SAMLBrowserProfile.BrowserProfileResponse;
 
public class SAMLAssertionCreator {
	
public BrowserProfileResponse createSAML() throws IOException
//	public void createSAML() throws IOException
	{
	 try
	 {
		System.out.println("1");
	SAMLBrowserProfile profile = SAMLBrowserProfileFactory.getInstance();

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