Fixing logic error in NeedsLoad

Credential might be null and we should be loading if there is no token

Author: StanleyGoldman

src/GitHub.Api/Authentication/Keychain.cs

@@ -323,6 +323,6 @@ private void UpdateConnections(Connection[] conns)
         public Connection[] Connections => connections.Values.ToArray();
         public IList<UriString> Hosts => connections.Keys.ToArray();
         public bool HasKeys => connections.Any();
-        public bool NeedsLoad => HasKeys && !string.IsNullOrEmpty(FindOrCreateAdapter(connections.First().Value.Host).Credential.Token);
+        public bool NeedsLoad => HasKeys && string.IsNullOrEmpty(FindOrCreateAdapter(connections.First().Value.Host).Credential?.Token);
     }
 }