EXHIBIT 3(i)A






                              AMENDED AND RESTATED

                            ARTICLES OF INCORPORATION

                                       OF

                           NEW GENERATION FOODS, INC.

















                                   Law Offices
                   MELTZER, LIPPE, GOLDSTEIN & SCHLISSEL, P.C.
                                  The Chancery
                                190 Willis Avenue
                                Mineola, NY 11501


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                              AMENDED AND RESTATED

                            ARTICLES OF INCORPORATION

                                       OF

                           NEW GENERATION FOODS, INC.
        (changing the corporation's name to CreditRiskMonitor.com, Inc.)


     The  undersigned,  the President and Assistant  Secretary of NEW GENERATION
FOODS,  INC., a corporation  organized  and existing  under and by virtue of the
Nevada General Corporation law, DO HEREBY CERTIFY:

     FIRST:  The  undersigned  are,  respectively,  the  President and Assistant
Secretary of NEW GENERATION FOODS, INC.;

     SECOND:  The original  Articles of Incorporation  of NEW GENERATION  FOODS,
INC. (formerly  RALSPICE,  INC.) was filed with the Secretary of State of Nevada
on February 25, 1977;

     THIRD: A certified copy of the Articles of Incorporation was filed with the
Washoe County Clerk on March 2, 1977;

     FOURTH:  Certificates  of  Amendment  to Articles to  Incorporation  of NEW
GENERATION FOODS, INC. were filed with the Secretary of State of Nevada on April
7, 1977, August 15, 1977, September 17, 1979, February 22, 1980, March 26, 1980,
and July 15, 1980;  Restated Articles of Incorporation were filed July 15, 1980;
Certificates  of Amendment to Articles of  Incorporation  were filed December 9,
1980, September 8, 1987 and November 31, 1989;  Certificates of Designation were
filed on December 16, 1988, January 3, 1989,


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April 13,  1989,  December 31, 1997;  and two  Certificates  of Amendment of the
Certificate  of  Designation  filed on December 31, 1997,  respectively,  all of
which were subsequently filed with the Washoe County Clerk.

     FIFTH:  The  Articles of  Incorporation,  as amended as of the date of this
certificate  of NEW  GENERATION  FOODS,  INC. are herein amended and restated in
their entirety:

          FIRST. The name of this corporation is CreditRiskMonitor.com, Inc.

          SECOND.  Its principal office in the State of Nevada is located at One
     East First Street, Reno, Washoe County,  Nevada 89501. The name and address
     of its resident agent is The Corporation Trust Company of Nevada,  One East
     First Street, Reno, Nevada 89501.

          THIRD. The nature of the business,  or objects or purposes proposed to
     be transacted, promoted or carried on are:

               To develop, provide, sell and distribute information products.

               To engage in any lawful activity and to manufacture,  purchase or
          otherwise acquire, invest in, own, mortgage,  pledge, sell, assign and
          transfer or otherwise  dispose of, trade, deal in and deal with goods,
          wares  and  merchandise  and  personal  property  of every  class  and
          description.

               To hold,  purchase  and convey  real and  personal  estate and to
          mortgage or lease any such real or personal estate with its franchises
          and to take the same by devise or bequest.

               To  acquire,  and  pay  for in  cash,  stock  or  bonds  of  this
          corporation or otherwise,  the good will, rights, assets and property,
          and to undertake or assume the whole or any part of the obligations or
          liabilities of any person, firm, association or corporation.

               To acquire,  hold,  use, sell,  assign,  lease,  grant license in
          respect of,  mortgage,  or otherwise  dispose of letters patent of the
          United  States or any foreign  country,  patent  rights,  licenses and
          privileges,   inventions,   improvements  and  processes,  copyrights,
          trademarks and trade names,  relating to or useful in connection  with
          any business of this corporation.

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               To guarantee,  purchase, hold, sell, assign, transfer,  mortgage,
          pledge,  or otherwise dispose of the shares of the capital stock of or
          any bonds,  securities or evidences of the indebtedness created by any
          other corporation or corporations of this state, or any other state or
          government,  and,  while owner of such stocks,  bonds,  securities  or
          evidence  of  indebtedness,  to exercise  all the  rights,  powers and
          privileges or ownership, including the right to vote, if any.

               To  borrow  money  and  contract  debts  when  necessary  for the
          transaction  of its  business,  or for the  exercise of its  corporate
          rights,  privileges or franchises,  or for any other lawful purpose of
          its  incorporation;   to  issue  bonds,  promissory  notes,  bills  of
          exchange,   debentures,   and  other   obligations  and  evidences  of
          indebtedness,  payable at a specified  time or times,  or payable upon
          the  happening  of a  specified  event or events,  whether  secured by
          mortgage,  pledge, or otherwise, or unsecured,  for money borrowed, or
          in payment  for  property  purchased,  or  acquired,  or for any other
          lawful objects.

               To purchase,  hold,  sell and transfer  shares of its own capital
          stock,  and use therefore its capital,  capital surplus,  surplus,  or
          other  property  or  funds;  provided  it shall  not use its  funds or
          property for the purchase of its own shares of capital stock when such
          use would cause any impairment of its capital;  and provided  further,
          that  shares of its own  capital  stock  belonging  to it shall not be
          voted upon,  directly or indirectly,  nor counted as outstanding,  for
          the purpose of computing any stockholders' quorum or vote.

               To  conduct  business,  have  one  or  more  offices,  and  hold,
          purchase,  mortgage  and convey  real and  personal  property  in this
          state, and in any of the several states, territories,  possessions and
          dependencies  of the United States,  the District of Columbia,  and in
          any foreign countries.

               To  do  all  and   everything   necessary   and  proper  for  the
          accomplishment of the objects hereinbefore  enumerated or necessary or
          incidental to the protection and benefit of the  corporation,  and, in
          general,  to carry on any lawful  business  necessary or incidental to
          the attainment of the objects of the corporation,  whether or not such
          business is similar in nature to the objects hereinbefore set forth.

               The objects  and  purposes  specified  in the  foregoing  clauses
          shall,  except  where  otherwise  expressed,  be in nowise  limited or
          restricted by reference to, or inference  from, the terms of any other
          clause  in  these  articles  of  incorporation,  but the  objects  and
          purposes  specified in each of the  foregoing  clauses of this article
          shall be regarded as independent objects and purposes.


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          FOURTH.  The aggregate number of shares which this  corporation  shall
     have the authority to issue is Twenty-Five  Million  (25,000,000) shares of
     Common  Stock  of the  par  value  of  $.01  per  share  and  Five  Million
     (5,000,000) shares of Preferred Stock, of the par value of $.01 per share.

          The Preferred  Stock may be divided into and issued in series.  If the
     shares of any such class are to be issued in series, then each series shall
     be so designated as to  distinguish  the shares  thereof from the shares of
     all other  series and  classes.  Any or all of the series of any such class
     and variations and the relative rights and preferences as between different
     series  can be fixed  and be  determined  by the  Board of  Directors.  The
     authority  of the Board of  Directors  with  respect to each  series  shall
     include, without limitation thereto, the determination of any or all of the
     following  and the shares of each  series may vary from shares of any other
     series in the following respects:

          The Board of Directors of this  corporation  is hereby  authorized  to
     issue the Preferred  Stock at any time or from time to time, in one or more
     series and for such  consideration as may be fixed from time to time by the
     then  Board of  Directors,  but not less  than the par value  thereof.  The
     number  of  shares  to  comprise  each such  series,  which  number  may be
     increased  (except  where  otherwise  provided by the Board of Directors in
     creating  such  series)  or  decreased  (but not below the number of shares
     thereof  then  outstanding)  shall be  determined  from time to time by the
     Board of Directors.  The Board of Directors is hereby expressly authorized,
     before issuance of any shares of a particular  series, to determine any and
     all  designations,  preferences  and relative,  participating,  optional or
     other  special  rights,  or  qualifications,  restrictions  or  limitations
     thereof, pertaining to such series including but not limited to:

               (1) Voting rights, if any,  including,  without  limitation,  the
          authority  to confer  multiple  votes per share,  voting  rights as to
          specified  matters or issues such as mergers,  consolidations or sales
          of assets,  or voting  rights to be  exercised  either  together  with
          holders  of Common  Stock as a single  class,  or  independently  as a
          separate class;

               (2) Rights if any,  permitting  the conversion or exchange of any
          such  shares,  at the option of the  holder,  into any other  class or
          series of shares  of this  corporation  and the price or prices or the
          rates of exchange and any adjustment thereto at which such shares will
          be convertible or exchangeable;

               (3) The rate of  dividends,  if any,  payable  on  shares of such
          series,  the conditions and the dates upon which such dividends  shall
          be  payable  and  whether  such  dividends   shall  be  cumulative  or
          non-cumulative;



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               (4) The amount  payable on shares of such  series in the event of
          any  liquidation,  dissolution  or  distribution  of the  assets of or
          winding up of the affairs of this corporation;

               (5) Redemption,  repurchase,  retirement and sinking fund rights,
          preferences and  limitations,  if any, the amount payable on shares of
          such series in the event of such redemption, repurchase or retirement,
          the terms and  conditions of any sinking fund,  the manner of creating
          such fund or funds and whether any of the  foregoing  shall be payable
          in  preference  to, or in relation  to, the  dividends  payable on any
          other class or classes of stock, or cumulative or non-cumulative; and

               (6) Any other preference and relative, participating, optional or
          other special rights and  qualifications,  limitations or restrictions
          of shares of such  series  not fixed  and  determined  herein,  to the
          extent permitted to do so by law.

               All shares of Preferred Stock shall be of equal rank and shall be
          identical  except with respect to the particulars that may be fixed by
          the Board of Directors as above provided and as to the date from which
          dividends  thereon,  if any, shall be cumulative if made cumulative by
          the Board of Directors.

          No  stockholder  shall be entitled as a matter of right to purchase or
     subscribe  for or  receive  additional  shares of any class of stock of the
     corporation,  whether  now or  hereafter  authorized,  including,  but  not
     limited  to,  treasury  stock,  or any  notes,  debentures,  bonds or other
     securities  convertible  into or  carrying  warrants or options to purchase
     shares of any class now or hereafter  authorized.  Any such  securities  or
     additional  shares of stock may be  issued or  disposed  of by the Board of
     Directors  to such  persons and on such terms as in its  discretion  may be
     deemed advisable.

          At each election for directors every  stockholder  entitled to vote at
     such  election  shall  have the right to cast,  in person or by proxy,  the
     number of votes  represented by the shares owned by him for as many persons
     as there are directors to be elected and for whose  election he has a right
     to vote.  Each  share  of  Common  Stock  shall be  entitled  to one  vote.
     Cumulative voting, for the election of directors or otherwise, is expressly
     prohibited.  On all matters coming before the stockholders,  other than the
     election of directors,  each share of issued and  outstanding  Common Stock
     shall be entitled to one vote.

          FIFTH.  The  governing  board  of this  corporation  shall be known as
     directors,  and the number of directors  may from time to time be increased
     or  decreased  in such  manner as shall be  provided by the by-laws of this
     corporation,  provided that the number of directors shall not be reduced to
     less than  three  (3),  except  that in cases  where all the  shares of the
     corporation are owned beneficially and of record by either


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     one or two stockholders, the number of directors may be less than three (3)
     but not less than the number of stockholders.

          SIXTH. The capital stock,  after the amount of the subscription  price
     or par value has been paid in,  shall not be subject to  assessment  to pay
     the debts of the corporation.

          SEVENTH. The corporation is to have perpetual existence.

          EIGHTH.  In furtherance and not in limitation of the powers  conferred
     by statute, the board of directors is expressly authorized:

               Subject to the by-laws,  if any, adopted by the stockholders,  to
          make, alter or amend the by-laws of the corporation.

               To fix the  amount to be  reserved  as working  capital  over and
          above its capital stock paid in, to authorize and cause to be executed
          mortgages  and  liens  upon  the real and  personal  property  of this
          corporation.

               By  resolution  passed  by a  majority  of the  whole  board,  to
          designate one or more committees,  each committee to consist of one or
          more  of  the  directors  of the  corporation,  which,  to the  extent
          provided in the resolution or in the by-laws of the corporation, shall
          have and may  exercise  the  powers of the board of  directors  in the
          management  of the  business and affairs of the  corporation,  and may
          authorize  the seal of the  corporation  to be  affixed  to all papers
          which may require it. Such  committee  or  committees  shall have such
          name and names as may be stated in the by-laws of the  corporation  or
          as may be determined  from time to time by  resolution  adopted by the
          board of directors.

               When and as authorized by the  affirmative  vote of  stockholders
          holding  stock  entitling  them to exercise at least a majority of the
          voting power given at a stockholders' meeting called for that purpose,
          or when authorized by the written consent of the holders of at least a
          majority  of the voting  stock  issued and  outstanding,  the board of
          directors shall have power and authority at any meeting to sell, lease
          or  exchange  all of  the  property  and  assets  of the  corporation,
          including its good will and its corporate franchises,  upon such terms
          and  conditions as its board of directors  deem  expedient and for the
          best interests of the corporation.

          NINTH.  Meetings  of  stockholders  may be held  outside  the State of
     Nevada, if the by-laws so provide. The books of the corporation may be kept
     (subject to any provision  contained in the statutes)  outside the State of
     Nevada at such place or places


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     as may be designated  from time to time by the board of directors or in the
     by-laws of the corporation.

          TENTH. This corporation  reserves the right to amend, alter, change or
     repeal any  provision  contained in the articles of  incorporation,  in the
     manner now or  hereafter  prescribed  by  statute,  or by the  articles  of
     incorporation,  and all  rights  conferred  upon  stockholders  herein  are
     granted subject to this reservation.

          ELEVENTH.  A  director  or  officer  of the  corporation  shall not be
     personally  liable to the corporation or its  stockholders  for damages for
     breach of fiduciary duty as a director or officer, expect for liability (i)
     for acts or omissions  which  involve  intentional  misconduct,  fraud or a
     knowing  violation of law, or (ii) under NRS 78.300.  If the Nevada General
     Corporation  Law is amended  after  approval  by the  stockholders  of this
     article to authorize  corporate action further  eliminating or limiting the
     personal  liability  of  directors  or  officers,  then the  liability of a
     director or officer of the  corporation  shall be  eliminated or limited to
     the fullest extent  permitted by the Nevada General  Corporation Law, as so
     amended.

          Any  repeal  or  modification  of  the  foregoing   paragraph  by  the
     stockholders  of the  corporation  shall not adversely  affect any right or
     protection  of a director of the  corporation  existing at the time of such
     repeal or modification.

     SIXTH:  The Board of  Directors  at a meeting duly called and held on March
22, 1999 adopted the foregoing  resolutions  by unanimous  vote.  The holders of
73.78% of the outstanding  Common Stock of the corporation (and of all shares of
the  corporation  entitled to vote)  approved and adopted the above  resolutions
setting forth the amendments to and restatement of the Articles of Incorporation
by written consent dated April 16, 1999. Accordingly the amendments were adopted
in accordance  with the  provisions of Sections  78.390 and 78.403 of the Nevada
General Corporation Law.

     IN WITNESS  WHEREOF,  New Generation  Foods,  Inc. has caused its corporate
seal to be hereunto affixed and the Amendment and Restatement of the Articles of
Incorporation to be signed by its President and Assistant Secretary on this ____
day of April, 1999.

_________________________                            ______________________
Jerome S. Flum, President                            Lawrence Fensterstock,
                                                     Assistant Secretary


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                      CERTIFICATE OF COMPLIANCE WITH NEVADA
                       REVISED STATUTES 78.390 AND 78.403

STATE OF NEW YORK )
              SS:
COUNTY OF NASSAU  )

     On this 22 day of April, 1999, the undersigned, Jerome S. Flum and Lawrence
Fensterstock,   President  and  Assistant   Secretary,   respectively,   of  the
corporation  described  in and who  executed  the  within  instrument,  entitled
"Amended and Restated Articles of Incorporation of New Generation  Foods,  Inc."
on behalf of the corporation therein named, appear and certify as follows:

     (1) that they executed the within instrument  pursuant to the corporation's
By-Laws and  pursuant  to a  resolution  which was duly  adopted by the board of
directors of the corporation at a meeting duly called and held on March 22, 1999
at which all directors were present;

     (2) the amendments, as set forth in the within instrument,  were adopted by
written consent dated April 16, 1999,  pursuant to the provisions of the By-Laws
of the corporation and of Section 78.320 of the Nevada Revised Statutes ("NRS"),
of the  holders  of 73.78%  of the  outstanding  shares  of Common  Stock of the
corporation  (which  was the only  class of  equity  shares  of the  corporation
outstanding and entitled to vote at such date;

     (3) pursuant to the corporation's By-Laws,  notice of the action by written
consent was mailed by United States Mail, postage prepaid, on April 20, 1999, to
each other  stockholder of the  corporation,  either  beneficially or of record,
which  would  have been  entitled  to  notice of or to vote at a meeting  of the
stockholders called to consider such resolution;

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     (4) the  affidavits  of such  mailing  have been filed  with the  corporate
records of the corporation.

         _______________________                     __________________________
         Jerome S. Flum                              Lawrence Fensterstock


STATE OF NEW YORK )
              SS:
COUNTY OF NASSAU  )


     On this ____ day of April,  1999,  before  me,  ________________,  a Notary
Public in and for the County of Nassau and State of New York,  residing therein,
duly  commissioned  and sworn,  personally  appeared Jerome S. Flum and Lawrence
Fensterstock,  known  to  me  to  be  the  President  and  Assistant  Secretary,
respectively,  of the  corporation  described  in and who  executed  the  within
instruments on behalf of the corporation  therein named,  and acknowledged to me
that such corporation executed the within instrument pursuant to its By-Laws and
resolutions of its board of directors and stockholders.

     IN WITNESS  WHEREOF,  I have  hereunto  set my hand and affixed my official
seal in the County of Nassau the day and year in this  certificate  first  above
written.


                                                            ____________________
                                                              Notary Public