WPCf  *5.6` oRj*~U +ytE1Tp0_{Ə7\4_ʪ8F]$cL7M$^jLo\iql.)fR ;pDǩŘ9w}@…2IxgWŘx'!< d6oz/ p*nf u o=Ñ+ X]hxp*b`Xz ^.}(\67Kgɱ \8bqE9HRω8E1Sx%q\\*!c-BZ/fST봌&r49Q&͵ uxgݎׂy0ĺ;=OէOݩ f0̰`n<$%4+ uxZ|3;HoZ#UN % 0: ZC ^ w 4   m Z EC NE NG G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G G BI Hewlett-Packard HP LaserJet P3010 Series0(9 Z6Times New Roman RegularX($USUS.,8DocumentManagement::ModifiedBooleanTRUECuJ;EJ3|xU8DocumentManagement::ModifiedBooleanTRUE d !USUS.,  _KEYWORD:GuidelineF  DIGEST:AJudgeispresumedtohaveconsideredalloftheevidenceintherecord.TheJudge  madefindingsaboutApplicantsdebtresolutionanddiscusseditinhisanalysis.Adverse t decisionaffirmed. ` _CASENO_:1504871.a1 8  DATE:06/07/2017  ` ________________________   `     h      p DATE:June7,2017  8  .؉7r(#(#.AY) xdEgA   InRe:        W ApplicantforSecurityClearance / AY) xdEgA W )   )   ) p ) \ ) H ) 4 )  p )  \  H pX p _ISCR_ԀCaseNo.1504871 \"  H# .؉7r. \XXp  #    APPEALBOARDDECISION  $ APPEARANCES '  &C%XX FORGOVERNMENT  X ) JamesB.Norman,Esq.,ChiefDepartmentCounsel 0!*  FORAPPLICANT  "0, RyanC._Nerney_,Esq.#XX%&Cl# #-     TheDepartmentofDefense(DoD)declinedtograntApplicantasecurityclearance.On h&!0 December30,2015,DoDissuedastatementofreasons(_SOR_)advisingApplicantofthebasisfor T'"1 thatdecision!securityconcernsraisedunderGuidelineF(FinancialConsiderations)ofDepartment @(#2 ofDefenseDirective5220.6(Jan.2,1992,asamended)(Directive).Applicantrequestedahearing. ,)|$3 OnMarch1,2017,afterthehearing,DefenseOfficeofHearingsandAppeals(DOHA) *h%4 AdministrativeJudgeJohnGrattanMetz,Jr.,deniedApplicantsrequestforasecurityclearance. +T&5 ApplicantappealedpursuanttoDirectiveE3.1.28andE3.1.30. +@'6   Applicantraisedthefollowingissuesonappeal:whethertheJudgeconsideredallofthe -)8 evidenceandwhethertheJudgesadversedecisionwasarbitrary,capricious,orcontrarytolaw.  Consistentwiththefollowing,weaffirm.    TheJudgesFindingsofFact  t   In2003,ApplicantboughtahomewithaVAloanintheamountofabout$183,000.Helater L  boughtasecondhomeforabout$622,000.Ataboutthesametime,Applicantobtainedasecond 8  mortgageonhisfirsthouse.Thisloanwasforabout$248,000.Applicantswifeandmotherwere $ t tosellthefirsthome,buttheyneverdidso,andwasnotneverrentedout.AlthoughApplicantcould  ` keepupwithmortgagepaymentsthroughmostof2012,thelendershortsoldthefirsthouse.This  L  actionresolvedthefirstmortgagebutnotthesecond.  8    Applicantsufferedsomeeconomicsetbacksintheyearsleadinguptohismortgageproblems.   AprimecontractordidnotrenewthecontractforApplicantsbusinessandluredawayhis   employees.Hewasunemployedforseveralmonths,eventuallytakingajobthatpaidlessthanhe   waspreviouslymaking.HewasagainunemployedinNovember2012,obtaininganotherjobearly   thenextyear,thoughagainforalessersalarythanhehadmadewhenrunninghiscompany. p Applicantswifealsoexperiencedsomeunemployment. \   Applicanthadsomenonallegeddebtsthat,thoughpreviouslydelinquent,hehadresolved. 4 Applicantdidnotpresentevidenceoffinancialcounselingorofabudget.(emphasisadded)_Decision_  p at3.Neitherdidhesubmitcharacterreferencesorevidenceofhisjobperformance.  \   TheJudgesAnalysis  4   TheJudgenotedevidencethatApplicantandhiswifehadsufferedunemployment,which   wasbeyondtheircontrol.However,heconcludedthatApplicantshavingacquiredsomuch  mortgagedebtinpurchasingasecondhomewithoutaplantodealwiththefirstonedemonstrated  alackofresponsibility.TheJudgecitedtoevidencethatApplicantdidnotbegintoresolvehis  financialproblemsuntilafterhereceivedthe_SOR_ԀandultimatelyconcludedthatApplicanthadnot l shownthathisproblemswereundercontrol. X    Discussion  0"    ApplicantarguesthattheJudgedidnotconsideralloftheevidenceintherecord,forexample $X" thathehadaddressedsomeofhisdebts.Healsoarguesthathesubmittedevidenceofabudget,yet $D # theJudgefoundthathehadnotdoneso.AJudgeispresumedtohaveconsideredalloftheevidence %0!$ intherecord.See,e.g.,_ISCR_ԀCaseNo.1300502at3(App.Bd.Mar.7,2017).TheJudgemade &"% findingsaboutApplicantsdebtresolutionanddiscusseditinhisanalysis. '#&   Regardingthebudget,however,Applicanthasrebuttedthepresumption.Applicantincluded )$( abudgetinapackageofdocumentsadmittedasApplicantExhibitB.TheJudgesfindingsuggests |*%) thathedidnotconsiderthisdocumentinevaluatingApplicantscase,whichwasanerror.However, h+&* given(1)thatthebudgetshowsamonthlydeficitofnearly$300;(2)thattheJudgedidnotrelyon T,'+ theabsenceofabudgetinhisanalysisofthecase;and(3)thattheJudgebasedhisdecisioninlarge @-(, measureonthetimingofApplicantseffortatdebtresolutionandonaspectsofApplicantsfinancial  problemsthatimpugnedhisjudgment,wefindnoreasontobelievethat,hadtheJudgeactually  _addressedthebudget,hewouldhavearrivedatadifferentconclusion.Therefore,thiserroris  harmless.See,e.g.,_ISCR_ԀCaseNo.1500535at3(App.Bd.Mar.13,2017). t   ApplicantcitestoaHearingOfficecasethatheassertsissimilartohisownandsupportshis L  efforttogetaclearance.HearingOfficecasesarenotbindingonotherHearingOfficeJudgesoron 8  theAppealBoard.See,e.g.,_ISCR_ԀCaseNo.1501416at3(App.Bd.Nov.Feb.15,2017).Inany $ t event,thecasethatApplicanthascitedhassignificantdifferencesfromthecircumstancesunderlying  ` his.ThiscasedoesnotprovideareasontoreversetheJudgesdecision.  L    TheJudgeexaminedtherelevantevidenceandarticulatedasatisfactoryexplanationforthe $  decision.Thedecisionissustainableonthisrecord. Thegeneralstandardisthataclearancemay   begrantedonlywhenclearlyconsistentwiththeinterestsofthenationalsecurity.Department   oftheNavyv.Egan,484U.S.518,528(1988).SeealsoDirective,Enclosure22(b): Anydoubt   concerningpersonnelbeingconsideredforaccesstoclassifiedinformationwillberesolvedinfavor   ofthenationalsecurity. p @( Order  H   TheDecisionis AFFIRMED .  p    `     h   Signed:Michael_Raanan_Ԁ $    `     h   Michael_Raanan_     `     h   AdministrativeJudge     `     h   Chairperson,AppealBoard     `     h   Signed:JamesE.Moody H!    `     h   JamesE.Moody 4"     `     h   AdministrativeJudge  #p!    `     h   Member,AppealBoard  $\"    `     h   Signed:JamesF.Duffy__ ' #&    `     h   JamesF.Duffy (#'    `     h   AdministrativeJudge )$(    `     h   Member,Appeal_Board___