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HP LaserJet P3010 Series PCL 60(9 Z6Times New Roman RegularX($USUS.,I9J5 f-IntFold3|xU8DocumentManagement::ModifiedBooleanTRUE 6Times New Roman Regular(Y(2μ$ !USUS.,   XX      0   μ$USUS., XX      1    _Item2,SecurityClearanceApplication,statesatp.9thatApplicanthasabachelorsdegree.(#$  0   d !USUS.,  _KEYWORD:GuidelineF  DIGEST:Applicanthasnumerousdelinquentdebts,forsuchthingsasstateandFederaltaxes,  medicalexpenses,mortgagepayments,atimeshareaccount,etc.Heattributedhisfinancial t problemstoseveralperiodsofunemploymentandtoreductionsinincomeupongaining ` employment.Hetookoutaloanfromhis401(k)plan,whichresultedintaxliabilities.The L  JudgefoundthatApplicanthadnotcorroboratedhisclaimsofdebtresolution.Adversedecision 8  affirmed. $ t _CASENO_:1504528.a1  L  DATE:01/25/2017 $  __ 8 dd8       `     h      p DATE:January25,2017 H .؉7r(#(#.AY) xdEgA  InRe:       g  ApplicantforSecurityClearance ?"! AY) xdE$gA $g# ) # ) $ ) % ) l& ) X ' ) D!( ) 0") ) #l*  $X+ pX p _ISCR_ԀCaseNo.1504528 l.  X / .؉7r. \XXp %0!/    APPEALBOARDDECISION &"0 APPEARANCES )$3  &%XX FORGOVERNMENT  h+&5 JamesB.Norman,Esq.,ChiefDepartmentCounsel @,'6  FORAPPLICANT  -@)8  Prose #XX%&Ỹ#      TheDepartmentofDefense(DoD)declinedtograntApplicantasecurityclearance.On ^ December12,2015,DoDissuedastatementofreasons(_SOR_)advisingApplicantofthebasisfor J thatdecision!securityconcernsraisedunderGuidelineF(FinancialConsiderations)ofDepartment 6  ofDefenseDirective5220.6(Jan.2,1992,asamended)(Directive).Applicantrequestedadecision " r onthewrittenrecord.OnNovember9,2016,afterconsideringtherecord,DefenseOfficeof  ^ HearingsandAppeals(DOHA)AdministrativeJudgeCarolG._Ricciardello_ԀdeniedApplicants  J requestforasecurityclearance.ApplicantappealedpursuanttoDirectiveE3.1.28andE3.1.30.  6    Applicantraisedthefollowingissuesonappeal:whethertheJudgesfindingsoffact   containederrorsandwhethertheJudgeweighedtheevidenceinamannerthatwasarbitrary,   capricious,orcontrarytolaw.Consistentwiththefollowing,weaffirm.     TheJudgesFindingsofFact  n    Applicantismarriedwithfourchildren.HeservedintheReserves,deployingduring F OperationsDesertShieldandDesertStorm.Heiscollegeeducated. #  1       2   Applicanthasnumerousdelinquentdebts,forsuchthingsasstateandFederaltaxes,medical  Z expenses,mortgagepayments,atimeshareaccount,etc.Heattributedhisfinancialproblemsto F severalperiodsofunemploymentandtoreductionsinincomeupongainingemployment.Hetook 2 outaloanfromhis401(k)plan,whichresultedintaxliabilities.TheJudgefoundthatApplicanthad  notcorroboratedhisclaimsofdebtresolution,forexamplecompliancewithpaymentplans,etc.     TheJudgesAnalysis     TheJudgestatedthatApplicantsfinancialproblemsarerecentand,forthemostpart, j unresolved.Shedidenterfavorablefindingsforsomedebts,includingalargeonetotheIRS. V However,forthebalancesheconcludedthatApplicanthadnotdemonstratedresponsibleaction, B  reiteratingherfindingsaboutalackofcorroborationforApplicantsclaimsofdebtreduction.Some .!~ ofApplicantsdebtshadbeenpaidthroughgarnishment,which,shestated,didnotevidenceagood "j  faithefforttopaydebts.SheconcludedthatApplicanthadfailedtomeethisburdenofpersuasion. #V!   Discussion  $. #   ApplicantarguesthattheJudgeerredinherfindingconcerningthereasonhehadtakenout &"% theloanfromhisretirementaccount.Thisfindingisconsistentwiththerecordevidence.Evenif '"& thiswereanerror,however,itwasharmlessinthatitdidnotlikelyaffecttheoutcomeofthecase. (#' See,e.g.,_ISCR_ԀCaseNo.1403601at3(App.Bd.Jul.1,2015).TheJudgesmaterialfindingsare z)$( basedupon suchrelevantevidenceasareasonablemindmightacceptasadequatetosupporta  conclusioninlightofallthecontraryevidenceinthesamerecord.DirectiveE3.1.32.1.    Applicantincludesasubstantialamountofinformationinanefforttoprovidecontextfor t theissuesofsecurityconcernandhiseffortsatdebtresolution.Applicantsargumentsarenot ` sufficienttorebutthepresumptionthattheJudgeconsideredalloftheevidenceintherecord.See, L  e.g.,_ISCR_ԀCaseNo.1502854at2(App.Bd.Nov.22,2016).Neitherisitsufficienttoshowthat 8  theJudgeweighedtheevidenceinamannerthatwasarbitrary,capricious,orcontrarytolaw.See, $ t e.g.,_ISCR_ԀCaseNo.1406686at2(App.Bd.Apr.27,2016).  `   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:MichaelY._Raanan_Ԁ 8    `     h   Michael_Raanan_ $    `     h   AdministrativeJudge     `     h   Chairperson,AppealBoard     `     h   Signed:JamesE.Moody \     `     h   JamesE.Moody H!    `     h   AdministrativeJudge 4"     `     h   Member,AppealBoard  #p!    `     h   Signed:WilliamS._Fields___________________________________________________________________________Ԁ & "%    `     h   WilliamS.Fields ' #&    `     h   AdministrativeJudge (#'    `     h   Member,Appeal_Board___