WPC4/ cXdm#v56b vz/Ic3pP'H&_S4|zƒ&!dkJe<2_HGڔ,w;@ s262x`&pQJn=[v쌍F?mnXjR_hhũ"}]cܜ[e 눧ff{p"=S֠#4~J:y9g`ɤFZex!G9/s _-XYC#$mJb"2@>ܓ$/}N 1e`#,@Gyo|)H)[EUX i}i'͆:w`# 7#6AV> _EShthq 0v 0`% 0` 0` 0.E 0`s 08 0 ! 02! 0" 0:" 0Y# 0_l# 0# 08$ 0% B*_' D/' D+' 0' D/g) 0) 06d* 0* 0:p+ 0^+ 0<, 1eD,U>, 1u, 72\- 0-U*7. 0<a. 0D.. 72.N/E/// B/HP LaserJet 400 color M451dn UPD PCL 60(9 Z6Times New Roman RegularX($USUS.,8DocumentManagement::ModifiedBooleanTRUE{d2J+J:i+003|xU8DocumentManagement::ModifiedBooleanTRUE<6X9`(Courier New*+ (_2623  ..*G+G (_25   /%` ` hp x /23  ../%` ` hp x /   *8+8 (_24  ," hp x ,23  ..," hp x ,  *5+5 (_23 ` ) hp x )23  ..) hp x ) ` *2+2 (_22  &hhp x &23  ..&hhp x &  */+/ (_21  #p x #23  ..#p x #  *,+, (_20 h  p x 23  .. p x h *)+) (_19  pp x 23  ..pp x   *&+& (_18   x 23  .. x   *AA (_17  5+ ` hp x 523  Ԁ5+ ` hp x 5  *GG (_16   /%` ` hp x /23  Ԁ/%` ` hp x /   *88 (_15  ," hp x ,23  Ԁ," hp x ,  *55 (_14 ` ) hp x )23  Ԁ) hp x ) ` *22 (_13  &hhp x &23  Ԁ&hhp x &  *// (_12  #p x #23  Ԁ#p x #  *,, (_11 h  p x 23  Ԁ p x h *)) (_10  pp x 23  Ԁpp x   (&& &_9   x 23  Ԁ x   (AA &_8  5+ ` hp x 523  5+ ` hp x 5  (GG &_7   /%` ` hp x /23  /%` ` hp x /   (88 &_6  ," hp x ,23  ," hp x ,  (55 &_5 ` ) hp x )23  ) hp x ) ` (22 &_4  &hhp x &23  &hhp x &  (// &_3  #p x #23  #p x #  (,, &_2 h  p x 23   p x h ()) &_1  pp x 23  pp x   &&& $_   x 23   x   0.Normal<:Definition T<AA:Definition L , 5+ ` hp x 5  5+ ` hp x 586Definition(''&H1      (&H2  (&H3  (&H4 XXX (&H5 (&H6  20Address8MM6Blockquote , , 5+ ` hp x 5   5+ ` hp x 5,*CITE,KS*CODEK <6X9`(Courier NewKSI\  `&Times New RomanS42Emphasis64Hyperlink    <:FollowedHype    4NV2Keyboard K <6X9`(Courier NewKSI\  `&Times New RomanS <z:Preformatted/%  ,Kk %#/K <6X9`(Courier NewKSI\  `&Times New RomanS/%  ,Kk %#/<:zBottom of 7>(X7  ?M%2A`Arial?  SI\  `&Times New RomanS7?(X7&  d d=)1dxd'dxd<:zTop of For7A(X7  ?M%2A`Arial?  SI\  `&Times New RomanS7?(X7=)2dxd0KS.SampleK <6X9`(Courier NewKSI\  `&Times New RomanS0.Strong 8KS6TypewriterK <6X9`(Courier NewKSI\  `&Times New RomanS42Variable: 8HTML MarkupB      2 0CommentB   35;AGMSY_11.1.1.1.1.1.1.1.\  `&Times New Roman3#37=CIQYag1.a.i.(1)(a)(i)1)a)Ji)(Y(2Ͱ$ !USUS.,  $XX      0  %2A`Arial<:Default Para(#$  0  Ji) d !USUS.,  _KEYWORD:GuidelineF  DIGEST:ApplicanthasnotrebuttedthepresumptionthattheJudgeconsideredallofthe  evidenceintherecord.NeitherhasshedemonstratedthattheJudgeweighedtheevidenceina t mannerthatwasarbitrary,capricious,orcontrarytolaw.Adverse_deicision_Ԁaffirmed. ` CASENO:1506908.a1 8  DATE:01/18/2017  `    `     h      p DATE:January18,2017 $  .؉7r(#(#.AVS) xdEgA   InRe:       C ApplicantforSecurityClearance k AVS) xdEgA C )   ) p ) \ ) H ) 4 )  p )  \ ) H  4  pX p _ISCR_ԀCaseNo.1506908 H#  4$ .؉7r. \XXp  $    APPEALBOARDDECISION % APPEARANCES l(  &%XX FORGOVERNMENT  D!* JamesB.Norman,Esq.,ChiefDepartmentCounsel "l+  FORAPPLICANT  #-  Prose #XX%&6# $.     TheDepartmentofDefense(DoD)declinedtograntApplicantasecurityclearance.OnApril R'"1 6,2016,DoDissuedastatementofreasons(_SOR_)advisingApplicantofthebasisforthat >(#2 decision!securityconcernsraisedunderGuidelineF(FinancialConsiderations)ofDepartmentof *)z$3 DefenseDirective5220.6(Jan.2,1992,asamended)(Directive).Applicantrequestedadecision *f%4 onthewrittenrecord.OnNovember22,2016,afterconsideringtherecord,DefenseOfficeof +R&5 HearingsandAppeals(DOHA)AdministrativeJudgeThomasM._Crean_ԀdeniedApplicantsrequest +>'6 forasecurityclearance.ApplicantappealedpursuanttoDirectiveE3.1.28andE3.1.30. ,*(7  -)8   Applicantraisedthefollowingissueonappeal:whethertheJudgesadversedecisionwas  arbitrary,capricious,orcontrarytolaw.Consistentwiththefollowing,weaffirm.  _  TheJudgesFindingsofFact  `   Ahighschoolgraduate,Applicantattendedcollegefortwoyears.SheworkedforaDefense 8  contractorsincemid2007.Shehastwochildren.In2005,sheheldaclearancefromaGovernment $ t agencyforwhichsheinterned.  ` Ѐ  L    ApplicantsSORlistsnumerousdelinquentdebts,forsuchthingsascarrepossessions,  8  medicalexpenses,telephoneservices,rent,traffictickets,etc.Thedebtstotalabout$31,000.She $  hadsimilardebtswheninterviewedin2009forclearanceeligibility.Applicantsproblemsbegan   whensheusedcreditcardstopaydebtswhileshewasinschool.Shelivedwithhermother,whose   lossofajobmeantthatthemothercouldnolongershareinfamilyexpenses.     Applicanttoldherclearanceinvestigatorthatshehadpaidanumberofherdebtsandstated p thatsheisdoingeverythingpossibletoresolveherfinancialdifficulties.Shedidnotprovideany \ corroborationtotheinvestigator,however.Applicantpresentedarecentcreditreportthatshowed H thatshehadpaidtwosmallaccountsandhadmadepaymentsonothers.Others,however,were 4 writtenoff.Otherwise,shedidnotcorroborateherclaimsofdebtresolution.  p   TheJudgesAnalysis  H    `      TheJudgeconcludedthatApplicantsdebtsdidnotresultfromconditionsbeyondhercontrol   but,rather,fromherownchoices.Hestatedthatalmostallofherdebtwascausedbytheuseof   creditcards.Moreover,Applicanthasnotshownresponsibleactioninregardtoherdebts.The  JudgealsoconcludedthatApplicanthadnotmadegoodfaitheffortstoresolveherproblems,nor  hadsheshownatrackrecordofdebtresolution.Hestatedthatshehadnotpresentedevidenceof  areasonableplantopayherdebts.TheJudgealsonotedthatApplicanthadnotreceivedfinancial l counseling.Applicantdidcontactacreditcounselingservicebutdidnotwanttopaythefees.The X  Judgestatedthat,eventhoughshehadbeengainfullyemployedinagoodpayingjobformanyyears, D! Applicantdidnotdemonstratearecordofconsistentactiontoresolveherfinancialdifficulties. 0"    Discussion  $X"   Applicantsappealbriefincludesnewevidence.Wecannotconsidernewevidenceon %0!$ appeal.DirectiveE3.1.29.ApplicanthasattachedtoherbriefcopiesoffavorableHearingOffice &"% decisionsthatshebelievesaresimilartoherown.Wehavegiventhesecasesdueconsiderationas '#& persuasiveauthority.However,thecitedcaseshavesignificantdifferencesfromApplicantsown, (#' andeachcasemustbedecidedonitsownmerits.Inanyevent,HearingOfficecasesarenotbinding )$( onotherHearingOfficeJudgesorontheAppealBoard.See,e.g.,ISCRCaseNo.1504096at3 |*%) (App.Bd.Nov.22,2016). h+&*   Applicantsbriefcitestoherevidenceinmitigation,andshedrawsourattentionto_favorable @-(, commentsbytheJudge.Inaddition,sheincludesacopyoftheJudgesdecisionwithspecific  findingshighlightedforemphasis.ApplicanthasnotrebuttedthepresumptionthattheJudge  consideredalloftheevidenceintherecord.See,e.g.,_ISCR_ԀCaseNo.1502854at2(App.Bd.Nov.  22,2016).NeitherhasshedemonstratedthattheJudgeweighedtheevidenceinamannerthatwas t arbitrary,capricious,orcontrarytolaw.See,e.g.,_ISCR_ԀCaseNo.1406686at2(App.Bd.Apr.27, ` 2016). L    Applicantnotesthatherclearanceinterviewsummaryincludesastatementtotheeffectthat $ t sheisunquestionablywillingtopayherdebtsandlivewithinhermeans.Thisrepresentsthe  ` interviewerssummaryofApplicantsanswersratherthanhisownevaluationofhercircumstances.  L  See,e.g.,_ISCR_ԀCaseNo.1403069at3(App.Bd.Jul.30,2015).Applicantstatesthat,withouta  8  clearance,shewillloseherjob.TheDirectivedoesnotpermitustoconsidertheimpactofan $  unfavorabledecision.See,e.g.,_ISCR_ԀCaseNo.1402619at3(App.Bd.Apr.7,2016).     TheJudgeexaminedtherelevantevidenceandarticulatedasatisfactoryexplanationforthe   decision.Thedecisionissustainableonthisrecord. Thegeneralstandardisthataclearancemay   begrantedonlywhenclearlyconsistentwiththeinterestsofthenationalsecurity.Department p oftheNavyv.Egan,484U.S.518,528(1988).SeealsoDirective,Enclosure22(b): Anydoubt \ concerningpersonnelbeingconsideredforaccesstoclassifiedinformationwillberesolvedinfavor H ofthenationalsecurity. 4 @( Order   \   TheDecisionis AFFIRMED . 4    `     h   Signed:Michael_Raanan_Ԁ     `     h   Michael_Raanan_     `     h   AdministrativeJudge p    `     h   Chairperson,AppealBoard \     `     h   Signed:JamesE.Moody  $\"    `     h   JamesE.Moody $H #    `     h   AdministrativeJudge %4!$    `     h   Member,AppealBoard & "%    `     h   Signed:WilliamS.Fields *%)    `     h   WilliamS.Fields l+&*    `     h   AdministrativeJudge X,'+    `     h   Member,Appeal_Board___