Document:

Exhibit 10

            CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

We consent to the incorporation by reference in this Post-Effective Amendment
No. 37 to Registration Statement No. 2-99473 on Form N-1A of our report dated
November 17, 2005, relating to the financial statements and financial highlights
of Merrill Lynch New York Municipal Bond Fund (the "Fund") of Merrill Lynch
Multi-State Municipal Series Trust (to be renamed BlackRock New York Municipal
Bond Fund of BlackRock Multi-State Municipal Series Trust) appearing in the
Annual Report on Form N-CSR of the Fund for the year ended September 30, 2005,
and to the references to us under the headings "Financial Highlights" in the
Prospectus and "Financial Statements" in the Statement of Additional
Information, which are part of such Registration Statement.

/s/ Deloitte & Touche LLP

Princeton, New Jersey
September 25, 2006Exhibit 10.1 

THIRD AMENDMENT

                                     TO AMENDED AND RESTATED CREDIT AGREEMENT 

        THIS
THIRD AMENDMENT TO AMENDED AND RESTATED CREDIT AGREEMENT, dated as of September 25,
2006 (this “Amendment”), is by and among BRADLEY PHARMACEUTICALS,
INC., a Delaware corporation (the “Borrower”), those Domestic Subsidiaries
of the Borrower identified as “Guarantors” on the signature pages hereto and
such other Domestic Subsidiaries of the Borrower as may from time to time become a party
hereto (collectively, the “Guarantors”), and WACHOVIA BANK, NATIONAL
ASSOCIATION, a national banking association, as administrative agent for the Lenders
(in such capacity, the “Administrative Agent”).  

W I T N E S S E T H 

        WHEREAS,
the Borrower, the Guarantors, the lenders party thereto (the “Lenders”) and
the Administrative Agent are parties to that certain Amended and Restated Credit
Agreement dated as of November 14, 2005 (as amended, restated, amended and restated,
modified or supplemented from time to time, the “Credit Agreement”;
capitalized terms used herein shall have the meanings ascribed thereto in the
Credit Agreement unless otherwise defined herein);  

        WHEREAS,
the Borrower has requested the Required Lenders amend certain provisions of the Credit
Agreement; and  

        WHEREAS,
the Required Lenders are willing to amend the Credit Agreement, in each case
subject to the terms and conditions hereof.  

        NOW,
THEREFORE, in consideration of the agreements hereinafter set forth, and for other
good and valuable consideration, the receipt and adequacy of which are hereby
acknowledged, the parties hereto agree as follows:  

SECTION 1

                                                    AMENDMENTS 

        1.1
New Definitions. The following definitions are hereby added to Section 1.1
of the Credit Agreement in the appropriate alphabetical order:  

	  	        “Third
Amendment” shall mean that certain Third Amendment to Credit Agreement,
dated as of September 25, 2006 by and among the Borrower, the Guarantors
and the Administrative Agent. 

	  	        “Third
Amendment Effective Date” shall mean September 25, 2006. 

        1.2
Amendment to Definition of Consolidated EBITDA. The definition of Consolidated EBITDA
in Section 1.1 of the Credit Agreement is amended and restated in its entirety to
read as follows:  

	  	        “Consolidated
EBITDA” shall mean, for any period, the sum of (i) Consolidated Net
Income for such period, plus (ii) an amount which, in the determination of
Consolidated Net Income for such period, has been deducted for (A)
Consolidated Interest Expense, (B) total federal, state, local and foreign
income, value added and similar taxes, (C) depreciation and amortization
expense and (D) certain one-time professional and legal fees and non-cash
items incurred during such period, as set forth on Schedule 1.1-4, plus (iii)
the Initial MediGene Payment to the extent classified as an expense in
accordance with GAAP, plus (iv) certain professional, advisor and legal fees
and related costs and disbursements incurred on or before December 31,
2006 in connection with a potential contested election or contested election
and related litigation involving members of the Board of Directors of
the Borrower and the Borrower, in an aggregate amount not to exceed
$2,000,000 plus (v) to the extent reasonably approved by the
Administrative Agent and as specifically disclosed in the Borrower’s
Form 10-Q filed with the SEC for the quarter ending September 30, 2006,
any in-transit customer purchases not recorded as sales during the
Borrower’s third quarter ending September 30, 2006 as a result of a
change in shipping terms from FOB shipping point to FOB destination
minus (vi) any in-transit customer purchases recorded as sales during
any quarter as a result of a change in shipping terms from FOB
destination to FOB shipping point minus (vii) any non-cash reduction in
any reserve account of a Credit Party during such period, all as
determined in accordance with GAAP. 

        1.3
Amendment to Definition of Fixed Charge Coverage Ratio. The definition of
Fixed Charge Coverage Ratio in Section 1.1 of the Credit Agreement is amended and
restated in its entirety to read as follows:  

	  	        “Fixed
Charge Coverage Ratio” shall mean, with respect to the Borrower and its
Subsidiaries on a consolidated basis for the twelve-month period ending
on the last day of any fiscal quarter of the Borrower, the ratio of (i)
Consolidated EBITDA for such period minus Consolidated Capital Expenditures
made in cash during such period to the extent permitted under this Credit
Agreement to (ii) the sum of Consolidated Interest Expense made in cash
during such period to the extent permitted under this Credit Agreement plus
Scheduled Funded Debt Payments for such period plus total federal, state,
local and foreign income, value added and similar taxes paid or payable in
cash during such period plus Restricted Payments made during such period
(other than Restricted Payments permitted pursuant to Section 6.10(c)). 

        1.4
Amendment to Definition of MediGene Acquisition. The definition of MediGene Acquisition
in Section 1.1 of the Credit Agreement is amended and restated in its entirety to
read as follows:  

 
	 	
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	  	        “MediGene
Acquisition” shall mean the execution and delivery by the Borrower and
MediGene of the MediGene Licensing Agreement and the payment of any
obligations by the Borrower thereunder (other than the Initial MediGene
Payment), pursuant to which the Borrower is granted the exclusive right
to market and promote a treatment for external genital warts in the United
States. 

        1.5
Amendment to Definition of MediGene Licensing Agreement. The definition of
MediGene Licensing Agreement in Section 1.1 of the Credit Agreement is amended
and restated in its entirety to read as follows:  

	  	        “MediGene
Licensing Agreement” shall mean that certain collaboration and
licensing agreement, dated as of January 30, 2006, by and among the Borrower
and MediGene; provided that such definition shall not include any
amendments thereto unless approved by the Administrative Agent. 

        1.6
Amendment to Section 6.10. Section 6.10 of the Credit Agreement is hereby amended
and restated in its entirety to read as follows:  

        Section
6.10 Restricted Payments.  

        Each
of the Credit Parties will not, nor will it permit any Subsidiary to, directly or
indirectly, declare, order, make or set apart any sum for or pay any Restricted Payment,
except (a) to make dividends payable solely in the same class of Capital Stock of
such Person, (b) to make dividends or other distributions payable to any Credit
Party (directly or indirectly through Subsidiaries), (c) so long as (i) no Default
or Event of Default shall have occurred and be continuing or would result therefrom
and (ii) the Borrower shall be in pro forma compliance with the financial covenants
set forth in Sections 5.9(a) and (c), the Borrower may repurchase shares of its Capital
Stock during the period from and after the Third Amendment Effective Date until March
31, 2007 in an aggregate amount not to exceed $18,000,000, and (d) after March 31, 2007
and so long as no Default or Event of Default shall have occurred and be continuing or
would result therefrom, the Borrower may repurchase shares of its Capital Stock in an
aggregate amount not to exceed $3,000,000 during the remainder of the term of this
Credit Agreement.  

SECTION 2

                                            CONDITIONS TO EFFECTIVENESS 

        2.1
Conditions to Effectiveness. This Amendment shall be and become effective as of the
date first above written upon satisfaction of the following conditions (in form and
substance reasonably acceptable to the Administrative Agent):  

	  	        (a)
Executed Amendment. Receipt by the Administrative Agent of          a copy of this
 Amendment  duly executed by each of the Credit  Parties          and the Administrative
Agent, on behalf of the Required Lenders. 

 
	 	
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	  	        (b)
Executed Consents.  Receipt by the Administrative Agent of          executed  consents,
 in the form attached hereto as Exhibit A, from the          Required   Lenders   (each
 a   “Lender   Consent”)   authorizing   the          Administrative Agent to
enter into this Amendment on their behalf. 

	  	        (c)
Covenant Calculations. Receipt by the Administrative Agent          of  evidence,
  satisfactory   thereto,   that  the  Borrower  and  its          Subsidiaries  are in
pro forma  compliance  with each of the  financial          covenants set forth in
Sections 5.9(a) and (c) of the Credit Agreement,          calculated as of June 30, 2006,
in each case after giving effect to the          $18,000,000  Restricted  Payment  set
forth in  Section  5.10(c) of the          Credit Agreement, as amended hereby. 

	  	        (d)
Fees and  Expenses.  The  Administrative  Agent shall have          received from the
Borrower,  on behalf of each Lender that executes and          delivers  a Lender
 Consent  to the  Administrative  Agent by 2:00 p.m.          Eastern Time on September
25, 2006, an amendment fee in an amount equal          to 12.5 basis points of such
 Lender’s  outstanding  Loans and unfunded          Commitments.  In addition, the
Administrative Agent shall have received          from the  Borrower  such other fees and
 expenses  that are  payable in          connection  with  the  consummation  of the
 transactions  contemplated          hereby. 

	  	        (e)
 Miscellaneous.  All other  documents and legal matters in          connection with the
 transactions  contemplated by this Amendment shall          be reasonably  satisfactory
in form and substance to the Administrative          Agent and its counsel. 

SECTION 3

                                                   MISCELLANEOUS 

        3.1
Representations and Warranties. Each of the Credit Parties represents and
warrants as follows as of the date hereof, after giving effect to this Amendment:  

	  	        (a)
It  has  taken  all  necessary  action  to  authorize  the          execution, delivery
and performance of this Amendment. 

	  	        (b)
This  Amendment  has been duly  executed and  delivered by          such Person and
 constitutes  such Person’s  valid and legally  binding          obligations,
 enforceable in accordance with its terms,  except as such          enforceability   may
 be   subject  to  (i)   bankruptcy,   insolvency,          reorganization,   fraudulent
 conveyance  or  transfer,  moratorium  or          similar laws  affecting  creditors’  rights
 generally and (ii) general          principles  of equity  (regardless  of whether such
 enforceability  is          considered in a proceeding at law or in equity). 

	  	        (c)
No  consent,  approval,  authorization  or  order  of,  or          filing,  registration
or qualification with, any Governmental Authority          or third party is required in
connection  with the execution,  delivery          or performance by such Person of this
Amendment. 

 
	 	
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	  	        (d)
The  representations  and  warranties set forth in Article          III of the Credit
 Agreement are true and correct as of the date hereof          (except for those which
expressly relate to an earlier date). 

	  	        (e)
 After  giving  effect  to this  Amendment,  no event  has          occurred and is
continuing  which  constitutes a Default or an Event of          Default. 

	  	        (f)
The Security Documents continue to create a valid security          interest  in,  and
 Lien  upon,  the   Collateral,   in  favor  of  the          Administrative  Agent,  for
the benefit of the Lenders,  which security          interests and Liens are  perfected
in accordance  with the terms of the          Security Documents and prior to all Liens
other than Permitted Liens. 

	  	        (g)
The Credit Party  Obligations  are not reduced or modified          by this  Amendment
 and are not  subject to any  offsets,  defenses  or          counterclaims. 

        3.2
Instrument Pursuant to Credit Agreement. This Amendment is a Credit Document
executed pursuant to the Credit Agreement and shall be construed, administered and
applied in accordance with the terms and provisions of the Credit Agreement.  

        3.3
Reaffirmation of Credit Party Obligations. Each Credit Party hereby ratifies the Credit
Agreement and acknowledges and reaffirms (a) that it is bound by all terms of the
Credit Agreement applicable to it and (b) that it is responsible for the observance
and full performance of its respective Credit Party Obligations.  

        3.4
Survival. Except as expressly modified and amended in this Amendment, all of
the terms and provisions and conditions of each of the Credit Documents shall remain
unchanged.  

        3.5
Expenses. The Borrower agrees to pay all reasonable costs and expenses of the
Administrative Agent in connection with the preparation, execution and delivery
of this Amendment, including without limitation the reasonable expenses of the
Administrative Agent’s legal counsel.  

        3.6
Further Assurances. The Credit Parties agree to promptly take such action, upon the
request of the Administrative Agent, as is necessary to carry out the intent of this
Amendment.  

        3.7
Entirety. This Amendment and the other Credit Documents embody the entire agreement
among the parties hereto and supersede all prior agreements and understandings, oral or
written, if any, relating to the subject matter hereof.  

        3.8
Counterparts/Telecopy. This Amendment may be executed in any number of counterparts,
each of which when so executed and delivered shall be an original, but all of
which shall constitute one and the same instrument. Delivery of executed
counterparts of this  

 
	 	
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Amendment  by  telecopy  shall be
effective as an original and shall constitute a representation  that an original shall be
delivered. 

        3.9
No Actions, Claims, Etc. As of the date hereof, each of the Credit Parties hereby
acknowledges and confirms that it has no knowledge of any actions, causes of
action, claims, demands, damages and liabilities of whatever kind or nature, in law or
in equity, against the Administrative Agent, the Lenders, or the Administrative
Agent’s or the Lenders’ respective officers, employees, representatives,
agents, counsel or directors arising from any action by such Persons, or failure of such
Persons to act under this Credit Agreement on or prior to the date hereof.  

        3.10
Governing Law. THIS AGREEMENT SHALL BE DEEMED TO BE A CONTRACT UNDER AND GOVERNED
BY THE INTERNAL LAWS OF THE STATE OF NEW YORK (INCLUDING SECTIONS 5-1401 AND 5-1402
OF THE NEW YORK GENERAL OBLIGATIONS LAW).  

        3.11
Successors and Assigns. This Amendment shall be binding upon and inure to the benefit
of the Credit Parties, the Administrative Agent, the Lenders and their respective
successors and assigns.  

        3.12
General Release. In consideration of the Administrative Agent entering into this
Amendment, each Credit Party hereby releases the Administrative Agent, the
Lenders, and the Administrative Agent’s and the Lenders’ respective
officers, employees, representatives, agents, counsel and directors from any and all
actions, causes of action, claims, demands, damages and liabilities of whatever kind
or nature, in law or in equity, now known or unknown, suspected or unsuspected to the
extent that any of the foregoing arises from any action or failure to act under the
Credit Agreement on or prior to the date hereof, except, with respect to any such
person being released hereby, any actions, causes of action, claims, demands, damages
and liabilities arising out of such person’s gross negligence, bad faith or willful
misconduct.  

        3.13
Consent to Jurisdiction; Service of Process; Arbitration; Waiver of Jury Trial; Waiver
of Consequential Damages. The jurisdiction, service of process and waiver of jury
trial provisions set forth in Sections 9.14, 9.15 and 9.17 of the Credit Agreement are
hereby incorporated by reference, mutatis mutandis.  

[Signature Pages to
Follow] 

 
	 	
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BRADLEY
PHARMACEUTICALS, INC.
                              THIRD AMENDMENT TO AMENDED AND
RESTATED CREDIT AGREEMENT 

        IN
WITNESS WHEREOF, each of the parties hereto has caused a counterpart of this Amendment
to be duly executed and delivered as of the date first above written.  

	  BORROWER:
                                  	
BRADLEY PHARMACEUTICALS, INC.,

                                            a Delaware corporation 

	  	
By:
      

      
                                                                                                      Name:

                                            Title: 

	  GUARANTORS:	

                                DOAK DERMATOLOGICS, INC.,
                                            

      a New York corporation 

	  	
By:
      

      
                                                                                                      Name:

                                            Title: 

	  	
BIOGLAN
PHARMACEUTICALS CORP.,

                                                   a Delaware corporation 

	  	
By:
                                                                                                      
      

      
      Name:
                                            

      Title: 

	  ADMINISTRATIVE
AGENT:	
      WACHOVIA BANK, NATIONAL ASSOCIATION,
                                            

      as Administrative Agent on behalf of the
Lenders and as a

       Lender 

	  	
By:
      

      
                                                                                             Name:
                                            

      Title: 

CONSENT TO THIRD
AMENDMENT 
                                     TO AMENDED AND RESTATED CREDIT AGREEMENT 

        This
 Consent is given  pursuant  to the Amended  and  Restated  Credit Agreement,  dated as
of November 14, 2005 (as  previously  amended and modified, the “Amended and
Restated Credit Agreement”; and as further amended by the Third Amendment (as
defined  below),  the “Amended  Credit  Agreement”),  by and among Bradley
 Pharmaceuticals,  Inc., a Delaware  corporation (the  “Borrower”),  the
Domestic  Subsidiaries  of the  Borrower  from time to time party  thereto  (the “Guarantors”),
 the lenders from time to time party thereto (the  “Lenders”) and Wachovia
Bank,  National  Association,  as administrative  agent for the Lenders (the  “Administrative
 Agent”).  Capitalized  terms used  herein  shall have the meanings  ascribed
 thereto in the Amended  Credit  Agreement  unless  otherwise defined herein. 

        The
 undersigned  hereby  approves  the Third  Amendment to Amended and Restated  Credit
 Agreement (the “Third  Amendment”),  dated as of September 25, 2006, by and
among the Borrower,  the Guarantors and  Administrative  Agent, and hereby  authorizes
 the  Administrative  Agent to execute  and deliver the Third Amendment on its behalf
and, by its execution below,  the undersigned  agrees to be bound by the terms and
 conditions  of the Third  Amendment  and the  Amended Credit Agreement. 

        A
duly  authorized  officer of the  undersigned  has executed this Consent as of the ___
day of September, 2006. 

	  	
[INSERT
LEGAL NAME OF LENDER] 

	  	
By:
      

      
                                                         Name:

                                                     Title:

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