#fixed code
                                ParseSettings defaultSettings() {
        return ParseSettings.htmlDefault;
    }
#vulnerable code 
                                void insert(Token.Character characterToken) {
        final Node node;
        final Element el = currentElement();
        final String tagName = el.normalName();
        final String data = characterToken.getData();

        if (characterToken.isCData())
            node = new CDataNode(data);
        else if (tagName.equals("script") || tagName.equals("style"))
            node = new DataNode(data);
        else
            node = new TextNode(data);
        el.appendChild(node); // doesn't use insertNode, because we don't foster these; and will always have a stack.
    } 
                            #location 4 
                            #vulnerability type NULL_DEREFERENCE