if (loader == null)
{
// If it is not a directory, use the jar loader.
if (! (file.endsWith("/") || file.endsWith(File.separator)))
loader = new JarURLLoader(this, factoryCache, factory,
newUrl, absoluteURL);
else if ("file".equals(protocol))
loader = new FileURLLoader(this, factoryCache, factory,
newUrl, absoluteURL);
else