WPCf  .3d)"]tF- Eg*魱vZ+dM1]sXXw[ N:O7S$(>)l4g&u0SV#9o2=RfG'4͒+{ m\$:pP!TB`(k9>}jSfYc ھ=nlN}X N-%xuFאh' {߻-'k!xmo_[>9b|xgAU|_$Z0Ujc^ߣ͹&e3\=*T7J^mY $MֿMLR_NyA:ǻt]ˠm{Q˗b $ULfHo˺d>g f;f(o\8oDbvȻw흜F>t&?@bR:6ޯgH{Z#UN % 0: ZC ^ w 4   m Z NC C C NE EG G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G BI HP LaserJet 400 color M451dn UPD PCL 60(9 Z6Times New Roman RegularX($USUS.,8DocumentManagement::ModifiedBooleanTRUEcOJ|7JntFold3|xU8DocumentManagement::ModifiedBooleanTRUE d !USUS.,  _KEYWORD:GuidelineF  DIGEST:ApplicanthasnotrebuttedthepresumptionthattheJudgeconsideredallofthe  evidenceintherecord.Adversedecisionaffirmed. t CASENO:1501416.a1 L  DATE:02/15/2017 $ t    `     h      p DATE:February15,2017  L  .؉7r(#(#.AY) xdEgA   InRe:        k ApplicantforSecurityClearance C AY) xdEgA k )   )   )   ) p ) \ ) H ) 4 )  p   \ pX p _ISCR_ԀCaseNo.1501416 p!  \" .؉7r. \XXp 4"    APPEALBOARDDECISION  # APPEARANCES &  &%XX FORGOVERNMENT  l( JamesB.Norman,Esq.,ChiefDepartmentCounsel D )  FORAPPLICANT  !D+ RyanC._Nerney_,Esq.#X<X%&}# ",     TheDepartmentofDefense(DoD)declinedtograntApplicantasecurityclearance.On |% / September17,2015,DoDissuedastatementofreasons(_SOR_)advisingApplicantofthebasisfor h&!0 thatdecision!securityconcernsraisedunderGuidelineF(FinancialConsiderations)ofDepartment T'"1 ofDefenseDirective5220.6(Jan.2,1992,asamended)(Directive).OnNovember23,2016,after @(#2 conductingahearing,DefenseOfficeofHearingsandAppeals(DOHA)AdministrativeJudge ,)|$3 RobertJ._Tuider_ԀdeniedApplicantsrequestforasecurityclearance.Applicantappealedpursuant *h%4 toDirectiveE3.1.28andE3.1.30. +T&5   Applicantraisedthefollowingissueonappeal:whethertheJudgesadversedecisionwas ,,(7 arbitrary,capricious,orcontrarytolaw.Consistentwiththefollowing,weaffirm. -)8 Ї_  TheJudgesFindingsofFact       TheJudgemadethefollowingfindingspertinenttotheissuesraisedonappeal:Applicant t retiredafter30yearsofGovernmentservice,afterwhichshehascontinuouslyworkedforaDefense ` contractor.Applicanthasheldaclearancesince1984,andthereisnotevidenceintherecordof L  securityviolations. 8    Applicantisindebtedtoabankforarecreationalvehicle.Afterpurchasingit,shereturned  ` ittothecreditor,whosubsequentlyadvisedherthatthevehiclewassold,leavingadeficiencyof  L  about$114,000.Thecreditorhasnotwaivedcollectionofthisdebt.Applicantclaimedthatshehad  8  sufficientfundstopaythisdebt ifitresurfaces.Decisionat3.Applicantalsoowesabout$23,000 $  forachargedoffdebttoabank.ThereisnoevidencethatApplicanthascontactedthecurrent   holderofthisdebtormadeanyattempttopayit.Finally,sheowesover$500onatimeshare.   ThoughApplicantassertedthatthedebthasbeensatisfied,thereisnodocumentaryevidencein   supportofherassertion.     Applicantandherhusbandhaveabout$11,000inmonthlyincome.Theyhelpedtheir \ childrenwithmortgagesandschooldebts,and,in2007,movedtoanotherstate.However,their H annualincomedroppedbyabout$100,000,becauseherhusbanddidnothaveemploymentthere. 4 Inaddition,Applicanthashadmedicalproblemsrequiringsurgery.Shedidnotprovideevidence  p ofthecostofthesurgeryorthatshelostpaywhileundergoingmedicaltreatment.Applicantenjoys  \ agoodreputationforthequalityofherworkperformance,trustworthiness,andhonesty.Shehasa H cleancriminalrecord,andhercharacterreferencessupportherefforttoobtainaclearance. 4   TheJudgesAnalysis      TheJudgeresolvedsomeoftheallegationsinApplicantsfavor.However,heentered  adversefindingsforthethreedescribedabove.Thoughnotingthingsthataffectedherfinancial  problems,suchashermedicalissues,theJudgeconcludedthatmovingtoanewstatewithouther l husbandobtainingemploymentdidnotmeritfullmitigationcredit.Henotedhisfindingthatthecost X  ofApplicantssurgerywasnotdisclosed,andshedidnotpresentevidenceofresponsibleaction D! regardingthosedebtsfoundagainsther.HenotedthatdebtshaddroppedoffApplicantscredit 0"  report.However,hestatedthatsuchevidencewasnotameaningfulmeasureofdebtresolution.He #l! statedthatthereisinsufficientevidenceastowhyApplicantcouldnotmakemoreprogresson $X" resolvingherdebts.Inthewholepersonanalysis,theJudgecitedtowhathetermeda lengthy $D # historyofdelinquentdebt.Decisionat10.HestatedthatApplicanthadnotprovidedenough %0!$ evidenceastohowshecametofindherselfinfinancialtroubleorofwhatresponsibleactionshehad &"% taken.HeconcludedthatApplicantsfailuretomakegreaterprogressshowedalackoffinancial '#& responsibility. (#'   Discussion  |*%)   Applicantarguesthattheanalysiscontainsinconsistenciesregardingmitigatingevidence. T,'+ EvenifApplicantsargumentiscorrect,theerrorsdidnotlikelyaffecttheoutcomeofthecaseand, @-(, therefore,areharmless.Shecitestomitigatingevidence,suchasherhusbandslossof$100,000of  annualincome,her30yearsofGovernmentemployment,herhavingheldaclearanceformanyyears  withoutincidentofconcern,andhercharacterreferences.Applicanthasnotrebuttedthe  presumptionthattheJudgeconsideredalloftheevidenceintherecord.See,e.g.,ISCRCaseNo. t 1502854at2(App.Bd.Nov.22,2016).ApplicanthaspresentedaHearingOfficecasethatshe ` believessupportsherefforttoobtainaclearance.Wegivethiscasedueconsideration.However, L  eachcasemustbedecideduponitsownmerits.Directive,Enclosure22(b).Moreover,Hearing 8  OfficedecisionsarebindingneitheronotherHearingOfficeJudgesnorontheBoard.See,e.g., $ t ISCRCaseNo.1504096at2(App.Bd.Nov.22,2016).  `    `     h      p   TheJudgeexaminedtherelevantevidenceandarticulatedasatisfactoryexplanationforthe  8  decision.Thedecisionissustainableonthisrecord. Thegeneralstandardisthataclearancemay $  begrantedonlywhenclearlyconsistentwiththeinterestsofthenationalsecurity.Department   oftheNavyv.Egan,484U.S.518,528(1988).SeealsoDirective,Enclosure22(b): Anydoubt   concerningpersonnelbeingconsideredforaccesstoclassifiedinformationwillberesolvedinfavor   ofthenationalsecurity.   @( Order  \   TheDecisionis AFFIRMED . 4    `     h   Signed:MichaelRaanan 8    `     h   MichaelRaanan $    `     h   AdministrativeJudge     `     h   Chairperson,AppealBoard     `     h   Signed:JamesE.Moody \     `     h   JamesE.Moody H!    `     h   AdministrativeJudge 4"     `     h   Member,AppealBoard  #p!    `     h   Signed:JamesF.Duffy & "%    `     h   JamesF.Duffy ' #&    `     h   AdministrativeJudge (#'    `     h   Member,AppealBoard )$(