When you create an array of object references, the default value of each one is null.
In Java, you don't really have a multidimensional array. Instead you create an array where each element in the array is a reference to another array.
So when you define an array like String temp = new String, for example, temp is a reference to an array containing 3 objects. Each of those objects is a reference to an array containing 3 Strings. But initially each of those referneces is null.
What could go wrong in a swell place like "The Evil Eye"? Or with this tiny ad?