WPC:  4AL}NKWvΉtM%ّ*O`eѷExj<_0r* Êec}JQ~ՓCŏ}Fg_u˶b2=)>Qw;sESH5c;'PaD>49+▟u^XXyVtfACV}?a2/P)p":IwF:]GaG aҪx߅K2B4(@ch ruқ",#bQY o>]8&ߘgٖjm >k>'S;hByGTH;`k>X:OZ(dӻwp=% o~uW#UN % 0: Z ^ s w 4   m N Z E                                                                       B HP LaserJet 400 color M451dn UPD PCL 60(9 Z6Times New Roman RegularX($USUS.,8DocumentManagement::ModifiedBooleanTRUEFd2J+JntFold3|xU8DocumentManagement::ModifiedBooleanTRUE d !USUS.,  _KEYWORD:GuidelineF;GuidelineE  DIGEST:ApplicantsargumentsdonotunderminetheJudgesfindingsandconclusionsabout  aninsufficiencyofdocumentaryevidenceregardinghisfinancialsituation.Adversedecision t affirmed. ` CASENO:1502198.a1 8  DATE:01/18/2017  `    `     h      p DATE:January18,2017 $     ` .؉7r(#(#.AV) xdEgA   InRe:       C ApplicantforSecurityClearance k AV) xdEgA C )   ) p ) \ ) H ) 4 )  p )  \ ) H  4  pX p _ISCR_ԀCaseNo.1502198 H#  4$ .؉7r. \XXp  $    APPEALBOARDDECISION % APPEARANCES l(  &3%XX FORGOVERNMENT  D!* JamesB.Norman,Esq.,ChiefDepartmentCounsel "l+  FORAPPLICANT  #- GregoryF._Greiner_,Esq.#XX%&3# $.     TheDepartmentofDefense(DoD)declinedtograntApplicantasecurityclearance.On T'"1 October25,2015,DoDissuedastatementofreasons(_SOR_)advisingApplicantofthebasisforthat @(#2 decision!securityconcernsraisedunderGuidelineF(FinancialConsiderations)andGuidelineE ,)|$3 (PersonalConduct)ofDepartmentofDefenseDirective5220.6(Jan.2,1992,asamended) *h%4 (Directive).Applicantrequestedahearing.OnOctober25,2016,afterthehearing,DefenseOffice +T&5 ofHearingsandAppeals(DOHA)AdministrativeJudgeMarkHarveydeniedApplicantsrequest +@'6 forasecurityclearance.ApplicantappealedpursuanttoDirectiveE3.1.28andE3.1.30. ,,(7  -)8   Applicantraisedthefollowingissueonappeal:whethertheJudgesadversedecisionwas  arbitrary,capricious,orcontrarytolawinthatitfailedtoconsiderrelevantfactors.TheJudges  favorablefindingsunderGuidelineEarenotatissueinthisappeal.Consistentwiththefollowing,  weaffirm. t _  TheJudgesFindingsofFact  L    Applicanthasworkedforhisemployer,aDoDcontractor,since2010.Applicantswifehas $ t threechildren,andApplicanthastwofrompriorrelationships.Heretiredfromthemilitaryin1998  ` asanE5.  L    Applicantswifewasinjuredatworkin2010.Shehadeightsurgeriesthatwerenot $  successfuland,in2012,lostherjob.Asaconsequence,thehouseholdincomedecreasedbyabout   twothirds,andthefamilywasleftwithmedicalbillsofabout$40,000.Inaddition,Applicants   daughterexperiencedmedicalproblemsrequiringhospitalizationfor90days,andApplicant   providedherwithfinancialsupport.Applicantalsoprovidessupporttohisspousesson.Applicant   makesabout$46,000ayear.Hisformerspousereceives30%ofhisretirementpay.Inaddition,he p receivesabout$300ayearforaserviceconnecteddisability. \   ApplicantsSORallegesabankruptcypetitionthatwasultimatelydismissedathisrequest. 4 Italsolistsnumerousdelinquentdebts,forsuchthingsasatimesharerepossessionandcollection  p debtsowedtoseveralbanks,adepartmentstore,agym,andothercreditors.Applicantmadeno  \ paymentstowardthesedebts,someofwhichhavebecomedelinquentsince2010.Forsomeofthem H hedidnotmaintaincontactwithcreditors.Thoughhestatedthathehadattemptedtosetuppayment 4 plans,hedoesnothaveactualpaymentagreementswithanyofthecreditors.     Applicantenjoysanexcellentreputationforhonesty,diligence,andtrustworthiness.Heis  highlyregardedforleadershipandintegrity.TheauthorsofApplicantscharacterreferencessupport  hisefforttoobtainaclearance.    TheJudgesAnalysis  X    Asnotedabove,theJudgeenteredfavorablefindingsunderGuidelineE.However,hemade 0"  adversefindingsforthedelinquentdebts.HecitedtoevidencethatApplicantsfinancialproblems #l! wereaffectedbycircumstancesoutsidehiscontrol,thatis,hiswifesillnessandthefinancialneeds $X" ofhischildren.TheJudgestated,however,thatApplicantdidnotprovidesufficientinformation $D # abouthowthesecircumstancesaffectedhisfinancesorhowhehaddemonstratedresponsibleaction. %0!$ TheJudgenotedthatApplicantheldstableemploymentforseveralyears,concludingthat heshould &"% havebeenacclimatedtohisspouseslossofincome.Decisionat7.Thoughresolvingthe '#& bankruptcyallegationinApplicantsfavor,hestatedthattherewasinsufficientevidencetoshow (#' whyApplicanthadmadenomoreprogressinresolvinghisdebts. )$(   TheJudgecitedtofavorableevidence,suchasApplicantsmilitarycareer,hischaracter h+&* references,hiscleancriminalrecord,etc.Heconcluded,however,thatthiswasnotenoughto T,'+ outweightheconcernsarisingfromtheSORdebts.HenotedthatApplicantdidnotsubmit @-(, documentsshowingchangesinhisincome,nordidheshowhowheattemptedtoreducehis  expenses.NeitherdidApplicantprovidedocumentsshowingpaymenthistoriesofother,nonalleged  debts,suchashismortgage,studentloans,avehiclelien,andcreditcardaccounts.    Discussion  `   ApplicantcontendsthattheJudgefailedtoconsiderrelevantfactors.See,e.g.,ISCRCase 8  No.1402563at3(App.Bd.Aug.28,2015).Hecitestorecordevidenceofsuchthingsashiswifes $ t medicalproblems,hismilitarycareer,hishavingheldaclearanceformanyyearswithoutincident  ` orconcern,etc.ThisargumentisnotenoughtorebutthepresumptionthattheJudgeconsideredall  L  oftheevidenceintherecord.See,e.g.,ISCRCaseNo.1502854at2(App.Bd.Nov.22,2016).  8  Applicantarguesthathehaschangedhisspendinghabitsandiscurrentonnecessities.However, $  thisisnotenoughtoshowthattheJudgeweighedtheevidenceinamannerthatwasarbitrary,   capricious,orcontrarytolaw.See,e.g.,ISCRCaseNo.1406686at2(App.Bd.Apr.27,2016).   Inparticular,ApplicantsargumentsdonotunderminetheJudgesfindingsandconclusionsabout   aninsufficiencyofdocumentaryevidenceregardinghisfinancialsituation.     TheJudgeexaminedtherelevantevidenceandarticulatedasatisfactoryexplanationforthe \ decision.Thedecisionissustainableonthisrecord. Thegeneralstandardisthataclearancemay H begrantedonlywhenclearlyconsistentwiththeinterestsofthenationalsecurity.Department 4 oftheNavyv.Egan,484U.S.518,528(1988).SeealsoDirective,Enclosure22(b): Anydoubt  p concerningpersonnelbeingconsideredforaccesstoclassifiedinformationwillberesolvedinfavor  \ ofthenationalsecurity. H @( Order      TheDecisionis AFFIRMED .     `     h   Signed:MichaelRaanan \     `     h   MichaelRaanan H!    `     h   AdministrativeJudge 4"     `     h   Chairperson,AppealBoard  #p!    `     h   Signed:JamesE.Moody & "%    `     h   JamesE.Moody ' #&    `     h   AdministrativeJudge (#'    `     h   Member,AppealBoard )$(    `     h   Signed:WilliamS.Fields D-(,    `     h   WilliamS.Fields     `     h   AdministrativeJudge     `     h   Member,AppealBoard