Some java help needed!!!!

Question

Exception in thread "main" java.lang.NullPointerException
     at Standings.<init>(Standings.java:15)
     at Client.main(Client.java:21)
this is my program and I dont understand what is going wrong, I am also including the 2 classes that complement it.
class 1
public class Team
// Declaring Private Variables
private double wins;
private double loses;
private String Name;
public Team()
     Name="";
     wins=0;
     loses=0;
public Team(String t, double w, double l)
     Name=t;
     wins=w;
     loses=l;
public void setName (String n)
     Name=n;
public void setWins (double w)
     wins=w;
public void setLoses (double l)
     loses=l;
public String getName ()
     return Name;
public double getWins ()
     return wins;
public double getLoses ()
     return loses;
public String toString ()
     String toString=Name + " " + wins + " " + loses;
     return toString;
public boolean equals (Team p1, Team p2)
     if ((p1.Name.equals(p2.Name))&&(p1.wins==p2.wins) && (p1.loses==p2.loses))
          return true;
     else
          return false;
class 2
public class Standings
private Team [] teams;
private String [] steams;
public Standings (Team [] arr)
     for(int i=0;i<arr.length;i++)
          teams[i] = new Team(arr.getName(), arr[i].getWins(), arr[i].getLoses());
public Team [] toString2 ()
          return teams;
client program
import java.text.DecimalFormat;
import java.util.Scanner;
import java.io.File;
import java.io.IOException;
public class Client
public static void main( String [] args ) throws IOException
     //first let's create an array of football teams
     Team [] array = new Team[5];
     array[0] = new Team("Alabama", 6, 6);
     array[1] = new Team("Georgia", 7, 4);
     array[2] = new Team("Tennessee", 8, 3);
     array[3] = new Team("Vanderbilt", 4, 8);
     array[4] = new Team("Mississippi", 1, 6);
     // now instantiate the team calling the overloaded constructor
     Standings temp = new Standings(array);
     // now let's print the team (call toString)
     System.out.println(temp.toString());
//Standings another = new Standings( temp );

Answer 1

private Team [] teams;You never allocated this array, as in:
teams = new Team[size];
so when you get to this line:
teams[ i ] = new Team(...);teams is null, ergo the NullPointerException.