There are no material actions, suits, or proceedings pending or, to the knowledge of Blackridge, threatened by or against Blackridge or adversely affecting Blackridge or its properties, at law or in equity, before any court or other governmental agency or instrumentality, domestic or foreign, or before any arbitrator of any kind.  There is no default on its part with respect to any judgment, order, writ, injunction, decree, award, rule, or regulation of any court, arbitrator, or governmental agency or instrumentality.