Basically what I am trying to do is add a customer in a customer list, in the customer list there is a property BillToContact. I would like to create an instance BillToContact for a customer.
public class Customer 
{
    public string  ID { get; set; }
    public string  AccountName { get; set; }
    public Contact BillToContact { get; set; }
}
public class BillToContact
{
    public string firstname { get; set; }
    public string LastName  { get; set; }
}
public class Contact
{
    public string FirstName { get; set; }
    public string LastName { get; set; }
}
// Below is attempt to add BillToContact to Customer
public void test()
{
  List<Customer> Customer = new List<Customer>();
  Customer x = new Customer();
  x.ID   = "MyId";
  x.AccountName = "HelloAccount";
  x.BillToContact.FirstName = "Jim";
  x.BillToContact.LastName  = "Bob";
  Customer.Add(x);
}
The error for this attempt was an
Object reference not set to an instance of an object.
I have also tried to create a instance of BillToContact inside of Customer to no success. To avoid any confusion, The issue is that I am trying to make a instance if BillToContact inside the Customer list. 
 
     
     
     
    