WPC  5*(x l _fȦ_BO?6`2j|ЃN:ņ&/u.|Ѐ!{C/j<+}Xgc n*B79}ތs8beQGnf th*4EԌ&P)qf6eg!Ɯ{b5Cq 8, D89NU{2w(y}zKof;"8E {m< $`loճdks9,1R}3^nN Bu8,?c}}>"'dx 좊$뱤STkxR$VI'MF)wa^EGσ_CdJKLn4(CSclj9{ >::~lJ]Z~N'Z"A/ew04̈́r{8paj$?H+ׂSQ#Xvtm96Z#UN % 0: ZC ^ w 4   m Z bC UNG E N N B Hewlett-Packard HP LaserJet P3010 Series0(9 Z6Times New Roman RegularX($USUS.,8DocumentManagement::ModifiedBooleanTRUEePJ]/MJ3|xU8DocumentManagement::ModifiedBooleanTRUE 6Times New Roman Regular d !USUS.,  _KEYWORD:GuidelineF  DIGEST:Wecannotconsidernewevidenceonappeal.TheJudgesmaterialfindingsare  supportedbysubstantialevidence.IneffectiveassistanceofcounselisnotapplicableinaDOHA t proceeding.ApplicantdidnotrebutthepresumptionthattheJudgeconsideredallofthe ` evidenceintherecord.Applicantprovidednoreasontobelievethatthetranscriptcontained L  errorsthatdistortedhistestimonyoraffectedtheoutcomeofthecase.Adversedecision 8  affirmed. $ t CASENO:1502040.a1  L  DATE:02/16/2017 $   8;dd8    ______________   `     h      p DATE:February16,2017   .؉7r(#(#.AY) xdEogA p InRe: k      / ApplicantforSecurityClearance W AY) xdEgA / ) p ) \ ) H ) 4 )  p )  \ ) H ) 4    ! pX p _ISCR_ԀCaseNo.1502040 4$   p% .؉7r. \XXp %    APPEALBOARDDECISION & APPEARANCES X )  & %XX FORGOVERNMENT  0"+ JamesB.Norman,Esq.,ChiefDepartmentCounsel #X,  FORAPPLICANT  $ .  Prose #XX%& \# % /     TheDepartmentofDefense(DoD)declinedtograntApplicantasecurityclearance.On >(#2 October17,2015,DoDissuedastatementofreasons(_SOR_)advisingApplicantofthebasisforthat *)z$3 decision!securityconcernsraisedunderGuidelineF(FinancialConsiderations)ofDepartmentof *f%4 DefenseDirective5220.6(Jan.2,1992,asamended)(Directive).Applicantrequestedahearing. +R&5 OnNovember22,2016,afterthehearing,DefenseOfficeofHearingsandAppeals(DOHA) +>'6 AdministrativeJudgeStephanieHessdeniedApplicantsrequestforasecurityclearance.Applicant ,*(7 appealedpursuanttoDirectiveE3.1.28andE3.1.30. -)8 Ї  Applicantraisedthefollowingissuesonappeal:whethertheJudgesfindingscontained  errorsandwhethertheJudgesadversedecisionwasarbitrary,capricious,orcontrarytolaw.  Consistentwiththefollowing,weaffirm.  _  TheJudgesFindingsofFact  `   Inessence,Applicantsfinancialproblemsinvolvedarealestatebusinessthatheandhiswife 8  operated.Pursuanttothisenterprise,hepurchasedahomeandrenteditout.However,hemissed $ t somemortgagepayments,andthehousewasthesubjectofaforeclosuresalein2007.Hepurchased  ` anotherhomeforover$400,000bymeansofanadjustableratemortgageandtookoutahomeequity  L  loanaswell.Hesoughttomodifytheloan,buthiseffortswerenotsuccessful.Healsoestablished  8  arealestatemanagementcompanytomanageonerentalroominhishome.Herentedittohis $  mother,whodidnotmakepaymentswhileshewasdeployedoverseas.Applicantwaseventually   grantedaChapter7bankruptcydischarge.Inaddition,Applicantcalculatedhisbusinesstaxes   improperly,andheandhiswifedidnothavetaxeswithheldfromtheirpaychecksfrom2009until   2011.AsofNovember2015,Applicantowedover$26,000inFederaltaxesandnearly$20,000to   hisstate.Applicanthasreceivedfavorableperformanceevaluationsathisjob,receivingawardsin p 2009and2014.Heisconsideredtrustworthyandcommittedtosecurity. \   TheJudgesAnalysis  4   TheJudgeconcludedthatApplicantsproblemshadnotoriginatedfromcircumstances  \ outsidehiscontrolandthathehadnotactedresponsiblyinregardtothem.Shecitedtoevidence H thatApplicantwasdelinquentinFederalandstatetaxes,thathehaddefaultedontwomortgageloans 4 andahomeequityloan,andhadover$8,000increditcarddebtchargedoff.Shestatedthatthere   isnoevidencetoshowthatApplicantsfinancesareundercontrol.Thoughnotinginstallmentplans   forhistaxobligations,shestatedthatApplicanthadundertakennoactionuntilafteranIRSaudit.  SheconcludedthatApplicantsfinancialproblemswererecentandwereincurredunder  circumstancesthatcastdoubtonhissecurityworthiness.TheJudgestatedthatApplicanthad  providednoplausibleexplanationforwhyhewasnotabletomakehismortgagepaymentsorwhat l happenedwiththefundsthatshouldhavebeenspentonthem. X    Discussion  0"    MuchofApplicantsappealpresentationconsistsofmattersfromoutsidetherecord.We $X" cannotconsidernewevidenceonappeal.DirectiveE3.1.29.Applicantchallengesseveralofthe $D # Judgesfindings.Afterconsideringtheevidenceasawhole,weconcludethattheJudgesmaterial %0!$ findingsaresupportedbysubstantialevidence.Applicanthasnotpointedtoanyharmfulerrorin &"% theDecision.See,e.g.,ISCRCaseNo.1501285at3(App.Bd.Dec.22,2016).Applicantstates '#& thathisattorneydidnotsubmitalloftheevidencethatheexpectedherto.Theineffectiveassistance (#' ofcounseldoctrineisnotapplicableinaDOHAproceeding.See,e.g.,ISCRCaseNo.1006703at )$( 2(App.Bd.May4,2012).Applicantcitestohiseffortstoimprovehisfinancialsituation,hishaving |*%) heldaclearanceformanyyearswithoutincidentorconcern,etc.Applicanthasnotrebuttedthe h+&* presumptionthattheJudgeconsideredalloftheevidenceintherecord.See,e.g.,ISCRCaseNo. T,'+ 1502854at2(App.Bd.Nov.22,2016).NeitherhasheshownthattheJudgeweighedtheevidence  inamannerthatwasarbitrary,capricious,orcontrarytolaw.See,e.g.,ISCRCaseNo.1406686  at2(App.Bd.Apr.27,2016).Applicantarguesthatthehearingroomhadpooracousticsandthe  transcriptcontainserrors.Heprovidesselectionsfromthetranscriptthathehasannotatedwith t corrections.Areviewofthetranscriptdisclosesnoreferencetoanyacousticalproblemsthathad ` aharmfuleffectonApplicantsabilitytopresenthiscase.Applicanthasprovidednoreasonto L  believethatthetranscriptcontainserrorsthatdistortedhistestimonyoraffectedtheoutcomeofthe 8  case.See,e.g.,ISCRCaseNo.1404186at4(App.Bd.Oct.28,2015). $ t   TheJudgeexaminedtherelevantevidenceandarticulatedasatisfactoryexplanationforthe  L  decision.Thedecisionissustainableonthisrecord. Thegeneralstandardisthataclearancemay  8  begrantedonlywhenclearlyconsistentwiththeinterestsofthenationalsecurity.Department $  oftheNavyv.Egan,484U.S.518,528(1988).SeealsoDirective,Enclosure22(b): Anydoubt   concerningpersonnelbeingconsideredforaccesstoclassifiedinformationwillberesolvedinfavor   ofthenationalsecurity.   @( Order  p   TheDecisionis AFFIRMED . H    `     h   Signed:MichaelY.Raanan L    `     h   MichaelY.Raanan 8    `     h   AdministrativeJudge $    `     h   Chairperson,AppealBoard     `     h   Signed:JamesE.Moody p    `     h   JamesE.Moody \     `     h   AdministrativeJudge H!    `     h   Member,AppealBoard 4"     `     h   Signed:JamesF.Duffy %4!$    `     h   JamesF.Duffy & "%    `     h   AdministrativeJudge ' #&    `     h   Member,AppealBoard (#'