WPC6 ?0Q8O7(_L^tŵ@^c>j+Z.s8@O0Ƣ(7(}sdrGkE.7er*?&.z7*, +%6q0lOpH*+!4 9#*T٢VE,YY^J`w˧B6V]7%pcb%F-,tw ѵ@SR.ccL3w9BO{ō2UaSWn˙f/];ac?MD~~#+W[G7<%8|ANN )OG{v8]-X#/r$eKG uPA3+ʅƜ =3!S$HwNzg ;0K/cIjYv2XDQ܂n3iu\_EGLlU({@xm3X BZW#UN % 0: Z ^ s w 4   m 0 bh El 0Dn N Z                                                                     BHewlett-Packard HP LaserJet P3010 Series0(9 Z6Times New Roman RegularX($USUS.,8DocumentManagement::ModifiedBooleanTRUE)_NJ]/MJP3|xU(Y(2$ !USUS.,  \XX      0   (#$  0  8DocumentManagement::ModifiedBooleanTRUE  $USUS.,\XX      1    _Directive,Enclosure219(a): inabilityorunwillingnesstosatisfydebts[.]   $USUS.,\XX      2    _Directive,Enclosure219(c): ahistoryof_noet_Ԁmeetingfinancialobligations[.] d !USUS.,  _KEYWORD:GuidelineF  DIGEST:Wecannotconsidernewevidence.UnderGuidelineF,aJudgeshouldexaminethe  extenttowhichanapplicantsfinancialproblemsimpugnhisjudgmentandreliability.Applicant t didnotrebutthepresumptionthattheJudgeconsideredalloftheevidence.Wehaveno ` authoritytograntaninterim,conditional,orprobationaryclearance.Adversedecisionaffirmed. L  CASENO:1501737.a1 $ t DATE:02/14/2017  L   8\dd8       `     h      p DATE:February14,2017  8  .؉7r(#(#.AV) xdEgA   InRe:        W ApplicantforSecurityClearance / AV) xdEgA W )   )   ) p ) \ ) H ) 4 )  p )  \  H pX p _ISCR_ԀCaseNo.1501737 \"  H# .؉7r. \XXp  #    APPEALBOARDDECISION  $ APPEARANCES '  &%XX FORGOVERNMENT  X ) JamesB.Norman,Esq.,ChiefDepartmentCounsel 0!*  FORAPPLICANT  "0,  Prose #XX%&# #-     TheDepartmentofDefense(DoD)declinedtograntApplicantasecurityclearance.On z% / October19,2015,DoDissuedastatementofreasons(_SOR_)advisingApplicantofthebasisforthat f&!0 decision!securityconcernsraisedunderGuidelineF(FinancialConsiderations)ofDepartmentof R'"1 DefenseDirective5220.6(Jan.2,1992,asamended)(Directive).Applicantrequestedadecision >(#2 onthewrittenrecord.OnNovember18,2016,afterconsideringtherecord,DefenseOfficeof *)z$3 HearingsandAppeals(DOHA)AdministrativeJudgeDavidM.WhitedeniedApplicantsrequest *f%4 forasecurityclearance.ApplicantappealedpursuanttoDirectiveE3.1.28andE3.1.30. +R&5   Applicantraisedthefollowingissuesonappeal:whetherhisfinancialconditionraises ,*(7 securityconcerns,whethertheJudgefailedtoconsideralloftheevidence,andwhethertheJudge -)8  weighedtheevidenceinamannerthatwasarbitrary,capricious,orcontrarytolaw.Consistentwith  thefollowing,weaffirm.     `     h   _  TheJudgesFindingsofFact  `   Applicantwascommissionedasamilitaryofficerin1983,servingonactivedutyuntil1986. 8  AtthattimeheenteredtheReserves,returningtoactivedutystatusin2000.Heretiredfromthe $ t militaryinthegradeofO6.  `   ApplicantsSORlistsseveraldelinquentdebts,includingmortgagedebtsonhiscurrent  8  residenceandaformerone.ApplicantscurrentresidencewaspurchasedbymeansofaVAloan $  in2005.Fouryearslaterhestoppedmakingpaymentsbecausehewasexperiencing financial   challenges,suchashiswifesunemployment,educationexpensesforhischildren,andpayments   onaformerresidence.Decisionat3.Hesoughtaloanmodificationasameansofstavingoff   foreclosure,allthewhilecontinuingtoliveinthehousewithoutmakingloanpayments.Thelender   approvedaseriesofthreemonthlytrialpaymentsofabout$3,400.Applicantprovidednoevidence p thathehadmadepaymentsorwasabletodoso.TheSORallegesdelinquentfirstandsecond \ mortgagesonthishouse,andApplicantprovidednoevidenceofresolution. H   TheSORalsoallegesadelinquentfirstmortgageonApplicantsformerresidenceinanother  p state.Applicantstoppedmakingpaymentsonthisloaninearly2013,enteringintoarepayment  \ agreementinlate2015.Heprovidedevidenceofonepaymentunderthisagreement.The H outstandingbalanceoftheloanhasincreasedsinceApplicantmadethatpayment.Finally,theSOR 4 allegesachargedoffaccountinanamountofabout$6,500.Applicanthadopenedtheaccountin   2006andstoppedmakingpaymentsin2011.Hemadeapaymentof$50,buttheamountofthedebt   hasincreasedtonearly$9,800.    Applicantprovidednoevidenceofhiscurrentincomeorbudget,financialcounseling,  savingsorinvestments,orotherindiciaoffinancialresponsibility.Hedidnotsupplyevidence l regardingthequalityofhisdutyperformance,hislevelofresponsibilityatwork,oratrackrecord X  concerningthehandlingofsensitivematters. D!   TheJudgesAnalysis  #l!   TheJudgeconcludedthatApplicantsfinancialcircumstancesraisedtwodisqualifying $D # conditions:19(a) #  1      ׀and(c).T #  2      ׀HenotedevidencethatApplicantisseriouslydelinquentinthree %0!$ mortgageloansaswellasintheconsumerloanreferencedabove.Hestatedthatthesedelinquencies &"% occurreddespiteApplicantscontinuedemployment.InevaluatingApplicantscaseformitigation, '#& theJudgecitedtoevidenceoftherepaymentplans,noting,however,thatApplicantprovidedlittle  evidencethathewouldbeabletomakethesepayments.Inthewholepersonanalysis,theJudge  statedthatApplicantsfinancialproblemswereduetohisownchoicesandthatApplicanthad  offeredlittleevidenceoffinancialcounseling,rehabilitation,improvedjudgment,orresponsible t conduct. `   Discussion  8    Applicantarguesthatheisnotarisktonationalsecurity,devotingasubstantialportionof  ` hisbrieftodenyingthatheissusceptibletobribery.Indoingso,hemakesassertionsthatareoutside  L  therecord.Wecannotconsidernewevidenceonappeal.DirectiveE3.1.29.Weconstrue  8  Applicantsargumentascontendingthathisfinancialproblemsdonotraisesecurityconcerns. $    TheconcernunderGuidelineFisnotsimplythatanapplicantmightbetemptedto   compromiseclassifiedinformationinexchangeformoneywithwhichtopayhisdebts.AJudge   shouldalsoconsidertheextenttowhichanapplicantscircumstancescastdoubtuponhisjudgment,   selfcontrol,andothercharacteristicsessentialtoprotectingnationalsecurityinformation.This p obligationisrootedinthelanguageoftheDirective,whichstatesthatfailuretomeetfinancial \ obligationsmayindicateunwillingnesstoabidebyrulesandregulations,therebyraisingquestions H aboutanapplicantsabilitytoprotectclassifiedinformation.Directive,Enclosure218.SeeISCR 4 CaseNo.1209719at23(App.Bd.Apr.6,2016).  p   Inthecasebeforeus,theJudgesunchallengedfindingsthatApplicanthasbeendelinquent H inhisdebtsforseveralyearsdespitehavingbeenfullyemployedandthatthereislittleevidenceof 4 circumstancesthatwouldexplainsuchdelinquenciesaresufficienttoraiseconcernsthatApplicant   lackstherequisitejudgmentandselfcontrol.ThesefindingssupporttheJudgesapplicationofthe   disqualifyingconditionslistedabove.ApplicantsbriefdisclosesnoreasontodisturbtheJudges  conclusiontheevidenceraisessecurityconcernsunderGuidelineF.    ApplicantcitestohisclaiminhisAnswertotheSORthatoneofhisdebtshadbeensoldto l othercreditors,arguingthatthismadeitdifficultforhimtoknowwhomheshouldpay.Healso X  citestohismilitaryservice.ApplicanthasnotrebuttedthepresumptionthattheJudgeconsidered D! alloftheevidenceintherecord.See,e.g.,ISCRCaseNo.1502854at2(App.Bd.Nov.22,2016). 0"  NeitherhasheshownthattheJudgeweighedtheevidenceinamannerthatwasarbitrary,capricious, #l! orcontrarytolaw.See,e.g.,ISCRCaseNo.1406686at2(App.Bd.Apr.27,2016). $X"   Applicantrequeststhat,ifwearenotabletoaffirmtheJudgesdecision,wegranthiman %0!$ interimclearance.However,wehavenoauthoritytograntaninterim,conditional,orprobationary &"% clearance.See,e.g.,ISCRCaseNo.1404289at2(App.Bd.Sep.9,2015). '#&   TheJudgeexaminedtherelevantevidenceandarticulatedasatisfactoryexplanationforthe )$( decision.Thedecisionissustainableonthisrecord. Thegeneralstandardisthataclearancemay |*%) begrantedonlywhenclearlyconsistentwiththeinterestsofthenationalsecurity.Department h+&* oftheNavyv.Egan,484U.S.518,528(1988).SeealsoDirective,Enclosure22(b): Anydoubt T,'+ concerningpersonnelbeingconsideredforaccesstoclassifiedinformationwillberesolvedinfavor  ofthenationalsecurity.  @( Order  t   TheDecisionis AFFIRMED . L     `     h   Signed:MichaelY.Raanan  P     `     h   MichaelY.Raanan  <     `     h   AdministrativeJudge (     `     h   Chairperson,AppealBoard      `     h   Signed:JamesE.Moody t    `     h   JamesE.Moody `    `     h   AdministrativeJudge L    `     h   Member,AppealBoard 8    `     h   Signed:JamesF.Duffy 8    `     h   JamesF.Duffy $    `     h   AdministrativeJudge     `     h   Member,AppealBoard