%PDF-1.6 % 1 0 obj <> endobj 2 0 obj <>stream 2021-06-24T10:59:59-04:00 2021-06-24T10:59:58-04:00 2021-06-24T10:59:59-04:00 Adobe Acrobat 17.0 application/pdf 02-18093.a1 uuid:a1ec50a4-0ab5-4f38-98aa-bc6ffe2f8577 uuid:9fa5c29d-fdb6-4cd7-83bf-778c84a1b416 Acrobat Web Capture 15.0 endstream endobj 5 0 obj <> endobj 6 0 obj <> endobj 3 0 obj <> endobj 7 0 obj <> endobj 8 0 obj <> endobj 18 0 obj <>>> endobj 19 0 obj <> endobj 20 0 obj <> endobj 22 0 obj [21 0 R 21 0 R] endobj 23 0 obj [21 0 R 21 0 R] endobj 24 0 obj [21 0 R 21 0 R] endobj 25 0 obj [21 0 R 21 0 R] endobj 26 0 obj [21 0 R 21 0 R] endobj 21 0 obj <><><><><><><><>]/P 19 0 R/Pg 13 0 R/S/Article>> endobj 13 0 obj <>/ProcSet[/PDF/Text]>>/StructParents 0/Type/Page>> endobj 27 0 obj <>stream BT /Artifact <>BDC /TT0 1 Tf 9 0 0 9 5 779 Tm (02-18093.a1)Tj EMC /Artifact <>BDC 0 -86 TD (file:///usr.osd.mil/)Tj 7.166 0 Td (...)Tj (omputer/Desktop/DOHA%20transfer/DOHA-Kane/dodogc/doha/industrial/Archive\ d%20-%20HTML/02-18093.a1.html)Tj 49.073 0 Td ([6/24/2021 10:59:59 AM])Tj EMC ET 1 g 10 36 591.75 729.75 re f 0.604 g q 1 0 0 1 16.0002 734.2497 cm 0 0 m 0.75 -0.75 l 579 -0.75 l 579.749 0 l h f Q 0.933 g q 1 0 0 1 16.7499 733.5 cm 0 0 m -0.75 -0.75 l 579 -0.75 l 578.25 0 l h f Q 0.604 g q 1 0 0 1 16.0002 732.7503 cm 0 0 m 0.75 0.75 l 0 1.499 l h f Q 0.933 g q 1 0 0 1 594.9999 733.5 cm 0 0 m 0.75 -0.75 l 0.75 0.75 l h f Q 0.604 g q 1 0 0 1 16.0002 618.75 cm 0 0 m 0.75 -0.75 l 579 -0.75 l 579.749 0 l h f Q 0.933 g q 1 0 0 1 16.7499 618.0003 cm 0 0 m -0.75 -0.751 l 579 -0.751 l 578.25 0 l h f Q 0.604 g q 1 0 0 1 16.0002 617.2497 cm 0 0 m 0.75 0.751 l 0 1.5 l h f Q 0.933 g q 1 0 0 1 594.9999 618.0003 cm 0 0 m 0.75 -0.751 l 0.75 0.75 l h f Q /Article <>BDC EMC /Article <>BDC BT 0 g 12 0 0 12 16 749.25 Tm (DATE: July 15, 2004)Tj 0 -3.25 TD (In Re:)Tj 0 -2.125 TD (----------------------------)Tj T* (SSN: -----------)Tj T* (Applicant for Security Clearance)Tj 0 -3.25 TD (ISCR Case No. 02-18093)Tj /TT1 1 Tf 17.628 -2.125 Td (APPEAL BOARD DECISION)Tj 2.806 -2.125 Td (APPEARANCES)Tj ET 0.75 w q 1 0 0 1 261.2061 543 cm 0 0 m 89.338 0 l h S Q BT 11.25 0 0 11.25 251.0312 519 Tm (FOR GOVERNMENT)Tj /TT0 1 Tf -7.539 -2.2 Td (Peregrine D. Russell-Hunter, Esq., Chief Department Counsel)Tj /TT1 1 Tf 8.317 -2.2 Td (FOR APPLICANT)Tj /TT0 1 Tf 12 0 0 12 252.2207 444 Tm (Peter R. Escobar, Esq.)Tj -19.685 -2.125 Td (The Defense Office of Hearings and Appeals \(DOHA\) issued to Applicant \ a Statement of Reasons \(SOR\) dated)Tj 0 -1.125 TD (September 12, 2003, which stated the reasons why)Tj /Span<>> BDC ( )Tj EMC 20.496 0 Td (DOHA proposed to deny or revoke access to classified information)Tj -20.496 -1.125 Td (for Applicant. )Tj 5.859 0 Td (The SOR was based on Guideline F \(Financial Considerations\). )Tj 25.718 0 Td (Administrative Judge)Tj /Span<>> BDC ( )Tj EMC 8.832 0 Td (James A. Young)Tj -40.41 -1.125 Td (issued an unfavorable security clearance decision dated February 26, 200\ 4.)Tj 0 -2.125 TD (Applicant appealed the Administrative Judge's unfavorable decision. )Tj 27.728 0 Td (The Board has jurisdiction under Executive Order)Tj -27.728 -1.125 Td (10865 and Department of Defense Directive)Tj /Span<>> BDC ( )Tj EMC 17.993 0 Td (5220.6 \(Directive\), dated January 2, 1992, as amended.)Tj -17.993 -2.125 Td (The following issues have been raised on appeal: \(1\) whether the Admin\ istrative Judge erred in concluding that)Tj 0 -1.125 TD (Applicant had a history of not meeting his financial)Tj /Span<>> BDC ( )Tj EMC 20.856 0 Td (obligations; \(2\) whether the Administrative Judge erred in)Tj -20.856 -1.125 Td (concluding that Applicant was unable or unwilling to satisfy his debts; \ and \(3\) whether the Administrative)Tj /Span<>> BDC ( )Tj EMC 42.769 0 Td (Judge's)Tj -42.769 -1.125 Td (weighing of evidence in mitigation was arbitrary, capricious or contrary\ to law. )Tj 31.99 0 Td (For the reasons that follow, the Board)Tj -31.99 -1.125 Td (affirms the Administrative Judge's decision.)Tj /TT1 1 Tf 20.685 -2.125 Td (Scope of Review)Tj /TT0 1 Tf -20.685 -2.125 Td (On appeal, the Board does not review a case )Tj /TT2 1 Tf 17.993 0 Td (de novo)Tj /TT0 1 Tf (. )Tj (Rather, the Board addresses the material issues raised by the)Tj -17.993 -1.125 Td (parties to determine whether there is factual or legal)Tj /Span<>> BDC ( )Tj EMC 21.074 0 Td (error. )Tj (There is no presumption of error below, and the appealing)Tj -21.074 -1.125 Td (party must raise claims of error with specificity and identify how the A\ dministrative Judge committed)Tj /Span<>> BDC ( )Tj EMC 41.073 0 Td (factual or legal)Tj -41.073 -1.125 Td (error. )Tj (Directive, Additional Procedural Guidance, Item E3.1.32. )Tj /TT2 1 Tf 25.797 0 Td (See also)Tj /TT0 1 Tf ( ISCR Case No. 00-0050 \(July 23, 2001\) at pp.)Tj -25.797 -1.125 Td (2-3 \(discussing reasons why)Tj /Span<>> BDC ( )Tj EMC (party must raise claims of error with specificity\).)Tj 0 -2.125 TD (When the rulings or conclusions of an Administrative Judge are challenge\ d, the Board must consider whether they are:)Tj 0 -1.125 TD (\(1\) arbitrary or capricious; or \(2\) contrary to law. )Tj 19.881 0 Td (Directive, Additional Procedural Guidance, Item E3.1.32.3. )Tj 24.104 0 Td (In)Tj -43.985 -1.125 Td (deciding whether the Judge's rulings or conclusions are arbitrary or cap\ ricious, the Board will review the)Tj /Span<>> BDC ( )Tj EMC 42.14 0 Td (Judge's)Tj -42.14 -1.125 Td (decision to determine whether: it does not examine relevant evidence; it\ fails to articulate a satisfactory explanation for)Tj T* (its conclusions, including a rational)Tj /Span<>> BDC ( )Tj EMC 14.442 0 Td (connection between the facts found and the choice made; it does not cons\ ider)Tj -14.442 -1.125 Td (relevant factors; it reflects a clear error of judgment; it fails to con\ sider an important aspect)Tj /Span<>> BDC ( )Tj EMC 36.708 0 Td (of the case; it offers an)Tj -36.708 -1.125 Td (explanation for the decision that runs contrary to the record evidence; \ or it is so implausible that it cannot be ascribed to)Tj ET EMC endstream endobj 28 0 obj <> endobj 29 0 obj (DK\r#V) endobj 30 0 obj <> endobj 31 0 obj <> endobj 32 0 obj <> endobj 37 0 obj <> endobj 38 0 obj <>stream H\n <"rAr-tH A3PuҐ&1h7.x5{F.48IܯK̤A%6G=_p荽s?8 P@ӀƑ.z0!$u&;\>\5.nP{E& Z 3eeQ}}<\mS)1&UdQ&@||\e""rDKD/qL:{ѫPWGSG{j[UW씱*~W{w endstream endobj 39 0 obj <>stream H|TT}pi  \b (X D%1&RDE%&*FTEh, "V {q;Q,OCw}z+9kis  BCj۾EA21r HZ[s#%j7+vc.I и 1Q7H{FGD=h:@Ǘ<,phV20Ǎ@b>?8>")e!s'Z$\9⤄Qc.D'lnW z̀(3AQX&A|?ʆ3 @Tn5,6ui5BFm j-"*ޮWΏGؔ][2¶$&(D} ::96jޤijIyzh٪u}kס@]vIPzgѯ/~?GȨ蘡Æ9*a?4aϿL<%yRϘ:+-}/Xh񒬥`WYn}~M)wKmwܵ`},:tHcO퓨V0^+r2\d% + wSl0w4ۛۙ}mۘ[[[fwPششƔ`ʱTFxd3y{F?Qglft5ቡ`63ܶ2  <:jXojm60xtA}˦B`gƨatU\97evK괂q8|B0$NvzSݷ;Kmb*\5NIU a~}n3bFؿXRa1܇6:p4i,*xs` B1KOa%l^ȅP [`DB&DAD18g$brȃE8 B%̂0 F@e}bQ/>CX)>OUT)T,U*]5[5Gdʾb؍0=7uQxwi xpww;$P]Kpw$ysur 7Mr"mr!w]r#}r< :sIGQyL'IyJ?3Gٹ\q:7uU&?_oyVyQ^yUW5tM]Kut]]O tCH7MtSL7wT?JU5P R)Y QC05\P#(5ZQcj7^MP!*Tp5QMRUijC-u+Zmu;^?/KJtGITnGU~u@TauDUquloGTl_O6Lrx.^kx%^H(>O"Eijq(p$ELi2N K /)=e2 QQvA9)H Ȩo:IydFdE6sEy;@<@D.F "ȏ(B("(C J"PePPLG"*2*:j&j6.> ZZ ڊ h耎肮oߢCOt6]LW }0PԅtaGEEK!6ߘiaAy`#Apm2&`8F`$Fa4`,a<&  40阁\\sa>`!!QX,b X! 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Directive,)Tj /Span<>> BDC ( )Tj EMC 16.485 0 Td (Adjudicative Guidelines, Item E2.A6.1.3.3.)Tj -16.485 -2.125 Td (7. )Tj ("The individual initiated a good-faith effort to repay overdue creditors\ or otherwise resolve debts." Directive,)Tj T* (Adjudicative Guidelines, Item E2.A6.1.3.6.)Tj 0 -2.125 TD (8. )Tj (Exhibit J appears to be more of a financial statement than a credit repo\ rt, but for purposes of this appeal, we will)Tj 0 -1.125 TD (assume that it is a credit report.)Tj ET EMC endstream endobj 16 0 obj <>/ProcSet[/PDF/Text]>>/StructParents 3/Type/Page>> endobj 43 0 obj [45 0 R] endobj 44 0 obj <>stream BT /Artifact <>BDC /TT0 1 Tf 9 0 0 9 5 779 Tm (02-18093.a1)Tj EMC /Artifact <>BDC 0 -86 TD (file:///usr.osd.mil/)Tj 7.166 0 Td (...)Tj (omputer/Desktop/DOHA%20transfer/DOHA-Kane/dodogc/doha/industrial/Archive\ d%20-%20HTML/02-18093.a1.html)Tj 49.073 0 Td ([6/24/2021 10:59:59 AM])Tj EMC ET 1 g 10 36 591.75 729.75 re f /Article <>BDC EMC /Article <>BDC BT 0 g 12 0 0 12 16 747 Tm (We are not persuaded that the Judge erred because he did not find "that \ the sole reason for his past financial problems")Tj 0 -1.125 TD (is due to Applicant's ex-spouse. )Tj 12.9 0 Td (The debt in)Tj /Span<>> BDC ( )Tj EMC 4.804 0 Td (SOR paragraph 1.a had been outstanding since 1989, a point in time long)Tj -17.705 -1.125 Td (before Applicant's self-described period of financial difficulty \(1995-\ 2002\). )Tj 30.531 0 Td (Moreover, even if)Tj /Span<>> BDC ( )Tj EMC 7.441 0 Td (Applicant's financial)Tj -37.972 -1.125 Td (difficulties initially arose due to circumstances outside his control, t\ he Judge reasonably could consider whether)Tj T* (Applicant acted in a reasonable)Tj /Span<>> BDC ( )Tj EMC 12.8 0 Td (manner when dealing with such difficulties. )Tj /TT1 1 Tf 17.801 0 Td (See)Tj /TT0 1 Tf (, )Tj /TT1 1 Tf (e.g.)Tj /TT0 1 Tf (, ISCR Case No. 01-21243)Tj -30.601 -1.125 Td (\(September 30, 2003\) at p. 4. )Tj 11.914 0 Td (The Judge's Decision articulates concern about)Tj /Span<>> BDC ( )Tj EMC 19.007 0 Td (Applicant's failure to demonstrate actions)Tj -30.921 -1.125 Td (between the time that the debts were incurred \(1989 and 1997 respective\ ly\) and the time of the hearing that were)Tj T* (consistent)Tj /Span<>> BDC ( )Tj EMC 4.25 0 Td (with a good-faith effort to resolve these debts. )Tj 18.689 0 Td (Accordingly, the Judge's conclusion that Financial)Tj -22.938 -1.125 Td (Considerations Mitigating Condition 3 did not apply is sustainable.)Tj 0 -2.125 TD (Applicant argues Financial Considerations Mitigating Condition 6 should \ have been applied to his case. )Tj 41.798 0 Td (He bases his)Tj -41.798 -1.125 Td (argument in part on a claim that the two debts are)Tj /Span<>> BDC ( )Tj EMC 20.077 0 Td (resolved. )Tj (In addition to his testimony that he contacted the creditors)Tj -20.077 -1.125 Td (involved in the debts in SOR paragraphs 1.a and 1.b to inquire into the \ status of the debts, Applicant)Tj /Span<>> BDC ( )Tj EMC 40.382 0 Td (contends that the)Tj -40.382 -1.125 Td (Judge erred because the two "credit reports" introduced into evidence \(\ Exhibits C and J\) demonstrate the absence of the)Tj 0 -1.375 TD (two debts.)Tj 0 0 0.933 rg 9.75 0 0 9.75 65.3301 561 Tm ( \(8\))Tj ET 0 0 0.933 RG 0.75 w q 1 0 0 1 65.3301 560.25 cm 0 0 m 13.806 0 l h S Q BT 0 g 12 0 0 12 16 531 Tm (Applicant says that the Judge "overlooked the obvious conclusion that th\ ere was no debtor to pay in each situation" and)Tj 0 -1.125 TD (the "Applicant could not be expected to make payments to an)Tj /Span<>> BDC ( )Tj EMC 24.817 0 Td (unknown debtor and to an unknown account number." )Tj 21.987 0 Td (He)Tj -46.804 -1.125 Td (argues that he has demonstrated that he is willing and able to pay eithe\ r debt if the creditor makes a current)Tj /Span<>> BDC ( )Tj EMC 43.068 0 Td (demand.)Tj -43.068 -2.125 Td ("Good-faith," as used in Financial Considerations Mitigating Condition 6\ , requires a showing that a person acts in a way)Tj T* (that shows reasonableness, prudence, honesty,)Tj /Span<>> BDC ( )Tj EMC 18.773 0 Td (and adherence to duty or obligation. )Tj 14.69 0 Td (Applicant did not resolve these debts)Tj -33.463 -1.125 Td (over the years and now seeks to avoid their effect by their removal from\ his credit history. )Tj /TT1 1 Tf 36.322 0 Td (See)Tj /TT0 1 Tf (, )Tj /TT1 1 Tf (e.g.)Tj /TT0 1 Tf (, ISCR Case No. 98-)Tj -36.322 -1.125 Td (0111 \(November 13, 1998\) at p. 4. )Tj 14.108 0 Td (The Judge's conclusion that Financial Considerations Mitigating Conditio\ n 6 did not)Tj -14.108 -1.125 Td (apply to either)Tj /Span<>> BDC ( )Tj EMC 6.026 0 Td (debt is sustainable in view of Applicant's longstanding failure to even \ address them. )Tj 33.839 0 Td (An applicant must)Tj -39.865 -1.125 Td (do more than merely show that he/she relied on a legally available)Tj /Span<>> BDC ( )Tj EMC 26.769 0 Td (option to claim the benefit of Mitigating Condition 6.)Tj /TT1 1 Tf -26.769 -1.125 Td (See)Tj /TT0 1 Tf (, )Tj /TT1 1 Tf (e.g.)Tj /TT0 1 Tf (, ISCR Case No. 99-9020 \(June 4, 2001\) at p. 4. )Tj (The fact that an unsatisfied debt is dropped from a)Tj /Span<>> BDC ( )Tj EMC 43.157 0 Td (credit)Tj -43.157 -1.125 Td (report, perhaps due to legal or regulatory requirements, does not preclu\ de the Judge from considering its security)Tj T* (significance. )Tj /TT1 1 Tf 5.331 0 Td (See)Tj /TT0 1 Tf (, )Tj /TT1 1 Tf (e.g.)Tj /TT0 1 Tf (, ISCR Case No. 02-14950 \(May 15, 2003\) at p. 5.)Tj -5.331 -2.125 Td (In weighing all the evidence, we do not have to agree with the Judge's u\ ltimate security clearance determination to)Tj T* (sustain it against a challenge that it was arbitrary,)Tj /Span<>> BDC ( )Tj EMC 19.994 0 Td (capricious or contrary to law. )Tj 11.996 0 Td (A Judge's decision to deny a security)Tj -31.989 -1.125 Td (clearance is sustainable despite claims of an excellent current financia\ l status when an applicant has)Tj /Span<>> BDC ( )Tj EMC 40.178 0 Td (two substantial long)Tj -40.178 -1.125 Td (overdue outstanding debts that he has not resolved. )Tj /TT1 1 Tf 20.69 0 Td (Cf)Tj /TT0 1 Tf (. )Tj (ISCR Case No. 01-19278 \(April 22, 2003\) at p. 5.)Tj /TT2 1 Tf 1.077 -2.125 Td (Conclusion)Tj /TT0 1 Tf -21.767 -2.125 Td (Applicant has failed to demonstrate error below. Therefore, the Board af\ firms the Administrative Judge's adverse)Tj T* (security clearance decision.)Tj 0 -2.125 TD (Signed: Michael Y. Ra'anan)Tj ET 0 G q 1 0 0 1 16 213.75 cm 0 0 m 134.795 0 l h S Q BT 12 0 0 12 16 189 Tm (Michael Y. Ra'anan)Tj T* (Administrative Judge)Tj T* (Member, Appeal Board)Tj T* (Signed: Michael D. Hipple)Tj ET q 1 0 0 1 16 111.75 cm 0 0 m 129.311 0 l h S Q BT 12 0 0 12 16 87 Tm (Michael D. Hipple)Tj T* (Administrative Judge)Tj ET EMC endstream endobj 45 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[65.0 558.0 79.0 569.0]/Subtype/Link/Type/Annot>> endobj 15 0 obj <>/ProcSet[/PDF/Text]>>/StructParents 2/Type/Page>> endobj 46 0 obj [48 0 R 49 0 R 50 0 R 51 0 R] endobj 47 0 obj <>stream BT /Artifact <>BDC /TT0 1 Tf 9 0 0 9 5 779 Tm (02-18093.a1)Tj EMC /Artifact <>BDC 0 -86 TD (file:///usr.osd.mil/)Tj 7.166 0 Td (...)Tj (omputer/Desktop/DOHA%20transfer/DOHA-Kane/dodogc/doha/industrial/Archive\ d%20-%20HTML/02-18093.a1.html)Tj 49.073 0 Td ([6/24/2021 10:59:59 AM])Tj EMC ET 1 g 10 36 591.75 729.75 re f /Article <>BDC EMC /Article <>BDC q 10 36 592 730 re W n BT 0 g 12 0 0 12 16 755.25 Tm (evidence to rebut, explain, extenuate, or mitigate facts)Tj /Span<>> BDC ( )Tj EMC 21.908 0 Td (admitted by the applicant or proven by Department Counsel, and)Tj ET Q BT 0 g 12 0 0 12 16 741.75 Tm (has the ultimate burden of persuasion as to obtaining a favorable cleara\ nce decision. )Tj 33.932 0 Td (Directive,)Tj /Span<>> BDC ( )Tj EMC 4.22 0 Td (Additional Procedural)Tj -38.152 -1.125 Td (Guidance, Item E3.1.15. )Tj 10.025 0 Td (In considering an applicant's evidence, there is a rebuttable presumptio\ n that an Administrative)Tj -10.025 -1.125 Td (Judge considered all of)Tj /Span<>> BDC ( )Tj EMC 9.497 0 Td (the record evidence unless the Judge specifically states otherwise. )Tj 26.602 0 Td (Apart from that presumption,)Tj -36.099 -1.125 Td (a review of the decision below indicates that the Judge specifically)Tj /Span<>> BDC ( )Tj EMC 26.963 0 Td (considered mitigating evidence presented by)Tj -26.963 -1.125 Td (Applicant and made favorable findings for him with respect to other debt\ s: SOR paragraphs 1.c and 1.d, that are not in)Tj 0 -1.125 TD (issue)Tj /Span<>> BDC ( )Tj EMC (here. )Tj (A Judge must consider the record evidence as a whole and decide whether \ the favorable outweighs the)Tj T* (unfavorable evidence, or vice versa. )Tj 14.687 0 Td (The fact that the Judge)Tj /Span<>> BDC ( )Tj EMC 9.357 0 Td (found Applicant's evidence to be unpersuasive, or that the)Tj -24.044 -1.125 Td (Applicant can point to favorable evidence, like his current financial si\ tuation, does not mean that the Judge)Tj /Span<>> BDC ( )Tj EMC 43.014 0 Td (ignored the)Tj -43.014 -1.125 Td (Applicant's evidence. )Tj /TT1 1 Tf 8.816 0 Td (See)Tj /TT0 1 Tf (, )Tj /TT1 1 Tf (e.g.)Tj /TT0 1 Tf (, ISCR Case No. 98-0761 \(December 27, 1999\) at p. 3.)Tj -8.816 -2.125 Td (Applicant's characterization of the two debts as "not recent," is not bi\ nding on the Judge )Tj 35.487 0 Td (because it focuses only upon)Tj -35.487 -1.125 Td (the initial incurring of the debts. )Tj 13.136 0 Td (From a security)Tj /Span<>> BDC ( )Tj EMC 6.526 0 Td (standpoint, it is just as important to consider whether the debts were)Tj -19.662 -1.125 Td (resolved, and if so, the manner in which they were resolved. )Tj 24.326 0 Td (The two debts here continued for more)Tj /Span<>> BDC ( )Tj EMC 15.8 0 Td (than 14 and seven)Tj -40.126 -1.125 Td (years respectively, up to the close of record evidence. )Tj 21.685 0 Td (Applicant's failure to resolve these debts is relevant information)Tj -21.685 -1.125 Td (which the Judge was entitled to)Tj /Span<>> BDC ( )Tj EMC 12.831 0 Td (consider. )Tj (The Board declines to conclude that the Judge was obliged to apply Finan\ cial)Tj -12.831 -1.125 Td (Considerations Mitigating Condition 1 in Applicant's favor. )Tj /TT1 1 Tf 24.123 0 Td (See, e.g.)Tj /TT0 1 Tf 3.332 0 Td (, ISCR)Tj /Span<>> BDC ( )Tj EMC (Case No. 01-03695 \(October 16, 2002\) at)Tj -27.454 -1.125 Td (pp. 3-4. )Tj (Applicant's failure to resolve these debts in the intervening years prov\ ided a rational basis for the Judge to apply)Tj T* (Disqualifying Conditions 1 and 3. )Tj /TT1 1 Tf 13.833 0 Td (See, e.g.)Tj /TT0 1 Tf 3.332 0 Td (, ISCR Case No. 98-0111 \(November 13, 1998\) at p. 4. )Tj (Moreover, we need)Tj -17.165 -1.125 Td (not agree with the Judge's conclusion that)Tj /Span<>> BDC ( )Tj EMC 16.926 0 Td (Applicant had a history of not meeting financial obligations to conclude\ it is)Tj -16.926 -1.125 Td (sustainable. )Tj 4.943 0 Td (The fact that Applicant satisfied other debts in a timely manner does no\ t negate the)Tj /Span<>> BDC ( )Tj EMC 33.461 0 Td (record evidence that he)Tj -38.405 -1.125 Td (has delinquent debts that he has not satisfied. )Tj /TT1 1 Tf 18.302 0 Td (See, e.g.)Tj /TT0 1 Tf 3.332 0 Td (, )Tj (ISCR Case No. 98-0111 \(November 13, 1998\) at p. 4.)Tj -21.633 -2.125 Td (2. )Tj (Whether the Administrative Judge erred in concluding that Applicant was \ unable or unwilling to satisfy his debts)Tj ET 0.75 w q 1 0 0 1 28 447 cm 0 0 m 543.211 0 l h S Q BT 12 0 0 12 571.2109 447.75 Tm (.)Tj -46.268 -1.125 Td (Applicant argues on appeal that record evidence)Tj /Span<>> BDC ( )Tj EMC 19.519 0 Td (shows that the two debts in SOR paragraphs 1.c and 1.d were promptly)Tj -19.519 -1.375 Td (paid by Applicant upon notice that they were due, and the Judge's findin\ gs with regard to them)Tj /Span<>> BDC ( )Tj EMC 38.171 0 Td (support this.)Tj 0 0 0.933 rg 9.75 0 0 9.75 533.3887 422.25 Tm ( \(4\))Tj ET 0 0 0.933 RG q 1 0 0 1 533.3887 421.5 cm 0 0 m 13.806 0 l h S Q BT 0 g 12 0 0 12 16 392.25 Tm (Applicant also argues that he had testified that he had contacted credit\ ors for the debts in SOR paragraphs 1.a and 1.b)Tj T* (and similarly would have paid)Tj /Span<>> BDC ( )Tj EMC 12.358 0 Td (them, but neither creditor had a current record of indebtedness. )Tj 25.435 0 Td (He contends that current)Tj -37.793 -1.125 Td (credit reports confirm that he owes no debts to the two creditors.)Tj 0 -2.125 TD (Even if we assume for purposes of this appeal that the creditors may hav\ e decided to discontinue collection, this would)Tj 0 -1.125 TD (not )Tj (preclude the Judge from considering the)Tj /Span<>> BDC ( )Tj EMC 17.856 0 Td (security implications of Applicant's longstanding failure to resolve the\ )Tj -17.856 -1.125 Td (debts. )Tj /TT1 1 Tf (Cf)Tj /TT0 1 Tf (. ISCR Case No. 99-9020 \(June 4, 2001\) at p. 3. )Tj (Considering both the evidence that)Tj /Span<>> BDC ( )Tj EMC 37.189 0 Td (was favorable to Applicant,)Tj -37.189 -1.125 Td (and that which was unfavorable to him, the Judge's conclusion that Appli\ cant was unable or unwilling to satisfy the)Tj T* (debts in SOR paragraphs)Tj /Span<>> BDC ( )Tj EMC (1.a and 1.b is sustainable.)Tj 0 -2.125 TD (3. )Tj (Whether the Administrative Judge's weighing of evidence in mitigation wa\ s arbitrary, capricious or contrary to law)Tj ET 0 G q 1 0 0 1 28 259.5 cm 0 0 m 552.662 0 l h S Q BT 12 0 0 12 580.6621 260.25 Tm (.)Tj -47.055 -1.125 Td (Applicant argues that the Judge erred in not)Tj /Span<>> BDC ( )Tj EMC 17.717 0 Td (concluding that: \(a\) Applicant's behavior was not recent, \(b\) Applic\ ant's)Tj -17.717 -1.125 Td (behavior was an isolated incident, \(c\) the conditions that resulted in\ Applicant's behavior were)Tj /Span<>> BDC ( )Tj EMC 37.974 0 Td (largely beyond his)Tj -37.974 -1.125 Td (control, and \(d\) Applicant made good-faith efforts to repay overdue cr\ editors or otherwise resolve debts. )Tj 42.014 0 Td (Applicant)Tj -42.014 -1.375 Td (argues that the Judge erroneously)Tj /Span<>> BDC ( )Tj EMC 13.635 0 Td (failed to apply Financial Considerations Mitigating Conditions 1, 2,)Tj 0 0 0.933 rg 9.75 0 0 9.75 504.918 207.75 Tm ( \(5\))Tj ET 0 0 0.933 RG q 1 0 0 1 504.918 207 cm 0 0 m 13.806 0 l h S Q BT 0 g 12 0 0 12 16 174.75 Tm (3,)Tj 0 0 0.933 rg 9.75 0 0 9.75 25 179.25 Tm ( \(6\))Tj ET q 1 0 0 1 25 178.5 cm 0 0 m 13.806 0 l h S Q BT 0 g 12 0 0 12 16 146.25 Tm (and 6)Tj 0 0 0.933 rg 9.75 0 0 9.75 42.3262 150.75 Tm ( \(7\))Tj ET q 1 0 0 1 42.3262 150 cm 0 0 m 13.806 0 l h S Q BT 0 g 12 0 0 12 16 120.75 Tm (and that the Judge's conclusions were arbitrary, capricious or contrary \ to law.)Tj T* (Applicant's arguments regarding recency were discussed earlier.)Tj T* (The Judge was not compelled to find that Applicant's conduct with respec\ t to these two debts was "isolated" in light of)Tj 0 -1.125 TD (their longstanding, unresolved nature and the)Tj /Span<>> BDC ( )Tj EMC 18.301 0 Td (amounts involved. The debts are not isolated to the points in time that)Tj -18.301 -1.125 Td (Applicant stopped payment on the debts. )Tj /TT1 1 Tf 16.58 0 Td (See)Tj /TT0 1 Tf (, )Tj /TT1 1 Tf (e.g.)Tj /TT0 1 Tf (, ISCR Case No. 02-14950 \(May 15, 2003\) at)Tj /Span<>> BDC ( )Tj EMC (pp. 4-5.)Tj ET EMC endstream endobj 48 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[533.0 420.0 547.0 431.0]/Subtype/Link/Type/Annot>> endobj 49 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[504.0 205.0 518.0 216.0]/Subtype/Link/Type/Annot>> endobj 50 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[25.0 177.0 39.0 188.0]/Subtype/Link/Type/Annot>> endobj 51 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[42.0 148.0 56.0 159.0]/Subtype/Link/Type/Annot>> endobj 14 0 obj <>/ProcSet[/PDF/Text]>>/StructParents 1/Type/Page>> endobj 52 0 obj [54 0 R 55 0 R 56 0 R] endobj 53 0 obj <>stream BT /Artifact <>BDC /TT0 1 Tf 9 0 0 9 5 779 Tm (02-18093.a1)Tj EMC /Artifact <>BDC 0 -86 TD (file:///usr.osd.mil/)Tj 7.166 0 Td (...)Tj (omputer/Desktop/DOHA%20transfer/DOHA-Kane/dodogc/doha/industrial/Archive\ d%20-%20HTML/02-18093.a1.html)Tj 49.073 0 Td ([6/24/2021 10:59:59 AM])Tj EMC ET 1 g 10 36 591.75 729.75 re f /Article <>BDC EMC /Article <>BDC q 10 36 592 730 re W n BT 0 g 12 0 0 12 16 755.25 Tm (a mere difference of)Tj /Span<>> BDC ( )Tj EMC 8.328 0 Td (opinion. )Tj /TT1 1 Tf (See, e.g.)Tj /TT0 1 Tf 6.887 0 Td (,)Tj /TT1 1 Tf ( )Tj /TT0 1 Tf (ISCR Case No. 97-0435 \(July 14, 1998\) at p. 3 \(citing Supreme Court d\ ecision\).)Tj ET Q BT 0 g 12 0 0 12 16 741.75 Tm (In deciding whether the Judge's rulings or conclusions are contrary)Tj /Span<>> BDC ( )Tj EMC 27.006 0 Td (to law, the Board will consider whether they are)Tj -27.006 -1.125 Td (contrary to provisions of Executive Order 10865, the Directive, or other\ applicable federal law. )Tj 38.347 0 Td (Compliance with state)Tj -38.347 -1.125 Td (or local law is not required because security clearance adjudications ar\ e conducted by the Department of Defense)Tj 0 -1.125 TD (pursuant to federal law. )Tj /TT1 1 Tf 9.691 0 Td (See)Tj /TT0 1 Tf ( U.S. Constitution, Article)Tj /Span<>> BDC ( )Tj EMC 12.138 0 Td (VI, clause 2 \(Supremacy Clause\). )Tj /TT1 1 Tf 13.69 0 Td (See, e.g.)Tj /TT0 1 Tf (, ISCR Case No. 00-)Tj -35.519 -1.125 Td (0423 \(June 8, 2001\) at p. 3 \(citing Supreme Court decisions\).)Tj 0 -2.125 TD (When an Administrative Judge's factual findings are challenged, the Boar\ d must determine whether "[t]he)Tj 0 -1.125 TD (Administrative Judge's findings of fact are supported by such)Tj /Span<>> BDC ( )Tj EMC 24.758 0 Td (relevant evidence as a reasonable mind might accept as)Tj -24.758 -1.125 Td (adequate to support a conclusion in light of all the contrary evidence i\ n the same record. )Tj 35.516 0 Td (In making this review,)Tj /Span<>> BDC ( )Tj EMC 9.248 0 Td (the)Tj -44.764 -1.125 Td (Appeal Board shall give deference to the credibility determinations of t\ he Administrative Judge." )Tj 39.174 0 Td (Directive, Additional)Tj -39.174 -1.125 Td (Procedural Guidance, Item E3.1.32.1. )Tj 15.356 0 Td (The)Tj /Span<>> BDC ( )Tj EMC (Board must consider not only whether there is record evidence supporting\ a)Tj -15.356 -1.125 Td (Judge's findings, but also whether there is evidence that fairly detract\ s from the weight of the)Tj /Span<>> BDC ( )Tj EMC 37.475 0 Td (evidence supporting those)Tj -37.475 -1.125 Td (findings, and whether the Judge's findings reflect a reasonable interpre\ tation of the record evidence as a whole.)Tj T* (Although a Judge's credibility)Tj /Span<>> BDC ( )Tj EMC 12.234 0 Td (determination is not immune from review, the party challenging a Judge's\ credibility)Tj -12.234 -1.125 Td (determination has a heavy burden on appeal.)Tj 0 -2.125 TD (When an appeal issue raises a question of law, the Board's scope of revi\ ew is plenary. )Tj /TT1 1 Tf 34.558 0 Td (See)Tj /TT0 1 Tf ( DISCR Case No. 87-2107)Tj -34.558 -1.125 Td (\(September 29, 1992\) at pp. 4-5 \(citing federal)Tj /Span<>> BDC ( )Tj EMC 18.883 0 Td (cases\).)Tj -18.883 -2.125 Td (If an appealing party demonstrates factual or legal error, then the Boar\ d must consider the following questions:)Tj T* (Is the error harmful or harmless? )Tj /TT1 1 Tf 13.384 0 Td (See, e.g.)Tj /TT0 1 Tf 3.332 0 Td (, ISCR Case No. 00-0250 \(July 11, 2001\) at p. 6 \(discussing harmless \ error)Tj -16.715 -1.125 Td (doctrine\);)Tj T* (Has the nonappealing party made a persuasive argument for how the Admini\ strative Judge's decision can be affirmed on)Tj 0 -1.125 TD (alternate grounds? )Tj /TT1 1 Tf 7.608 0 Td (See, e.g.)Tj /TT0 1 Tf 3.332 0 Td (, ISCR Case No.)Tj /Span<>> BDC ( )Tj EMC (99-0454 \(October 17, 2000\) at p. 6 \(citing federal cases\); and)Tj -10.939 -2.125 Td (If the Administrative Judge's decision cannot be affirmed, should the ca\ se be reversed or remanded? )Tj 40.333 0 Td (\(Directive,)Tj -40.333 -1.125 Td (Additional Procedural Guidance, Items E3.1.33.2 and)Tj /Span<>> BDC ( )Tj EMC 21.717 0 Td (E3.1.33.3\).)Tj /TT2 1 Tf -0.492 -2.125 Td (Appeal Issues)Tj /TT0 1 Tf -21.225 -2.125 Td (1. )Tj (Whether the Administrative Judge erred in concluding that Applicant had \ a history of not meeting his financial)Tj ET 0.75 w q 1 0 0 1 28 321 cm 0 0 m 532.518 0 l h S Q BT 12 0 0 12 16 308.25 Tm (obligations)Tj ET q 1 0 0 1 16 307.5 cm 0 0 m 53.332 0 l h S Q BT 12 0 0 12 69.332 308.25 Tm (. )Tj (The Judge concluded that Applicant failed to)Tj /Span<>> BDC ( )Tj EMC 18.744 0 Td (address )Tj (two debts \(SOR paragraphs 1.a and 1.b\), and that this)Tj -23.188 -1.375 Td (was disqualifying under Financial Considerations Disqualifying Condition\ s 1)Tj 0 0 0.933 rg 9.75 0 0 9.75 387.6309 296.25 Tm ( \(1\))Tj ET 0 0 0.933 RG q 1 0 0 1 387.6309 295.5 cm 0 0 m 13.806 0 l h S Q BT 0 g 12 0 0 12 16 263.25 Tm (and 3.)Tj 0 0 0.933 rg 9.75 0 0 9.75 45.3262 267.75 Tm ( \(2\))Tj ET q 1 0 0 1 45.3262 267 cm 0 0 m 13.806 0 l h S Q BT 0 g 12 0 0 12 16 237.75 Tm (The Judge found)Tj /Span<>> BDC ( )Tj EMC (that Applicant failed to make any payments on the debt in SOR paragraph \ 1.a \(approximately $8,893\))Tj T* (since 1989, and it was charged off. )Tj 14.19 0 Td (The Judge also found that)Tj /Span<>> BDC ( )Tj EMC 10.581 0 Td ("[a]pparently, Applicant never even inquired into the)Tj -24.771 -1.125 Td (status of . . .[the debt in SOR paragraph 1.b \(approximately $4,748\)] \ . . . until the week before the hearing." )Tj 43.23 0 Td (The)Tj /Span<>> BDC ( )Tj EMC (Judge)Tj -43.23 -1.125 Td (found that the creditor of the debt in SOR 1.b notified Applicant of the\ transfer of this debt to a new owner, but)Tj T* (Applicant produced no evidence indicating that he)Tj /Span<>> BDC ( )Tj EMC 20.41 0 Td (attempted to contact the new owner of the debt.)Tj -20.41 -2.125 Td (Applicant does not dispute that he did not contact the creditors involve\ d in the account in SOR paragraph 1.b until the)Tj T* (week before the hearing, but he argues the)Tj /Span<>> BDC ( )Tj EMC 17.187 0 Td (Administrative Judge ignored the absence of both debts in credit reports\ in)Tj -17.187 -1.125 Td (2003 and 2004. )Tj (Applicant contends that the Administrative Judge ignored his current)Tj /Span<>> BDC ( )Tj EMC 34.298 0 Td ("outstanding financial situation,")Tj -34.298 -1.125 Td (which includes a record of timely child support payments during the past\ nine years, a current net remainder of)Tj T* ($1,391.08 each month,)Tj /Span<>> BDC ( )Tj EMC 9.387 0 Td (total assets of over $466,000, and qualification to purchase a $160,000 \ house. )Tj 31.326 0 Td (He also argues)Tj -40.713 -1.375 Td (that the two debts are mitigated because they are "not recent";)Tj 0 0 0.933 rg 9.75 0 0 9.75 313.0117 92.25 Tm ( \(3\))Tj ET q 1 0 0 1 313.0117 91.5 cm 0 0 m 13.806 0 l h S Q BT 0 g 12 0 0 12 326.8179 87.75 Tm ( one)Tj /Span<>> BDC ( )Tj EMC (involves a debt more than 14 years old and the)Tj -25.901 -1.125 Td (other is over seven years old.)Tj 0 -2.125 TD (Applicant's argument is not persuasive. )Tj 15.955 0 Td (Generally, an 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