WPCd  -[Y3ވ=T7NY 9ħ5H @ET` M@1)dEei&E+6@H:Z#UN % 0: ZC ^ w 4   m Z NC C EE E E E E E E E E E E E E E E E E E E E E E E E E E E E E E E E E E E E E E E E E E E E E E E E E E E E E E E E E E E E E E E E E E E E E E E E E E BG Hewlett-Packard HP LaserJet P3010 Series0(9 Z6Times New Roman RegularX($USUS.,8DocumentManagement::ModifiedBooleanTRUE|9K;EJtion03|xU8DocumentManagement::ModifiedBooleanTRUE d !USUS.,  _KEYWORD:GuidelineF  DIGEST:ApplicanthasnotrebuttedthepresumptionthattheJudgeconsideredallofthe  evidenceintherecord.NeitherhasheshownthattheJudgeweighedtheevidenceinamanner t thatwasarbitrary,capricious,orcontrarytolaw.Adversedecisionaffirmed. ` _CASENO_:1507696.a1 8  DATE:09/25/2017  ` ________________________   `     h      p DATE:September25,2017  L  .؉7r(#(#.AY) xdEgA   InRe:        k ApplicantforSecurityClearance C AY) xdEgA k )   )   )   ) p ) \ ) H ) 4 )  p   \ pX p _ISCR_ԀCaseNo.1507696 p!  \" .؉7r. \XXp 4"    APPEALBOARDDECISION  # APPEARANCES &  &%XX FORGOVERNMENT  l( JamesB.Norman,Esq.,ChiefDepartmentCounsel D )  FORAPPLICANT  !D+  Prose #XX%&# ",     TheDepartmentofDefense(DoD)declinedtograntApplicantasecurityclearance.OnMay $. 22,2016,DoDissuedastatementofreasons(_SOR_)advisingApplicantofthebasisforthat z% / decision!securityconcernsraisedunderGuidelineF(FinancialConsiderations)ofDepartmentof f&!0 DefenseDirective5220.6(Jan.2,1992,asamended)(Directive).Applicantrequestedadecision R'"1 onthewrittenrecord.OnJune7,2017,afterconsideringtherecord,DefenseOfficeofHearingsand >(#2 Appeals(DOHA)AdministrativeJudgeGreggA._Cervi_ԀdeniedApplicantsrequestforasecurity *)z$3 clearance.ApplicantappealedpursuanttoDirectiveE3.1.28andE3.1.30. *f%4   Applicantraisedthefollowingissuesonappeal:whethertheJudgeerredinhisanalysisof +>'6 themitigatingconditionsandwhethertheJudgeswholepersonanalysiswaserroneous,rendering ,*(7 hisoveralldecisionarbitrary,capricious,orcontrarytolaw.Consistentwiththefollowing,we -)8 affirm.  _  TheJudgesFindingsofFact     ApplicantsSORlistssixdelinquentdebts,whichheadmittedwithanexplanation.The ` debtsincludechargedoffcreditcardsandalineofcredit.Theytotalover$64,500.Applicanthas L  beenemployedbyaDefensecontractorsince2015.Applicantdivorcedin2004,whichhestatedwas 8  acauseofhisfinancialproblems.Hebecamefinanciallyoverextendedafewyearslaterandhadto $ t takeanotherjobinadifferentstate,thoughatareducedsalary.Hehadaboutninemonthsof  ` unemployment.Hesoughthelpfromacreditrepaircompany.However,thecompanyresolvedfew  L  ofApplicantsdebts.Hestoppedusingtheservicebutcontinuedtohaveunpaiddelinquentdebts.  8    TheJudgesAnalysis      TheJudgecitedtothingssuchasApplicantsdivorceandunemploymentthataffectedhis   financialsituation.Henoted,however,thatApplicantdiscontinuedthecreditrepairservicebefore   resolvinghisdebts.Despitesteadyemploymenthehasnotpresentedevidenceofdebtresolution, p norhasheshownthathesoughtfinancialcounseling.TheJudgestatedthattheevidencelefthim \ withdoubtsaboutApplicantsreliability,trustworthiness,andgoodjudgment. H     Discussion   p   Applicantcitestoevidencesuchashisdivorce,unemployment,andthedebtconsolidation H companythathehired.Henotesthatatleastsomeofhisdebtshavebeenturnedovertocollection 4 companiesandcontendsthatittakesawhiletosetasidethefundstopaythem.Healsodiscusses   hiscircumstancesinlightofthewholepersonfactors,contendingthathehasshownmitigationof   theconcernsraisedbyhisfinancialproblems.Applicanthasnotrebuttedthepresumptionthatthe  Judgeconsideredalloftheevidenceintherecord.NeitherhasheshownthattheJudgeweighedthe  evidenceinamannerthatwasarbitrary,capricious,orcontrarytolaw.See,e.g.,ISCRCaseNo.13  00502at3(App.Bd.Mar.7,2017).Moreover,weconcludethattheJudgetookintoaccountall l aspectsoftherecordevidencewhichboreuponApplicantstrustworthinessandreliability,which X  iswhatawholepersonanalysisrequires.See,e.g.,ISCRCaseNo.0400540at7(App.Bd.Jan.5, D! 2007). 0"  Ѐ #l!   TheJudgeexaminedtherelevantevidenceandarticulatedasatisfactoryexplanationforthe $X" decision.Thedecisionissustainableonthisrecord. Thegeneralstandardisthataclearancemay $D # begrantedonlywhenclearlyconsistentwiththeinterestsofthenationalsecurity.Department %0!$ oftheNavyv.Egan,484U.S.518,528(1988).SeealsoDirective,Enclosure22(b): Anydoubt &"% concerningpersonnelbeingconsideredforaccesstoclassifiedinformationwillberesolvedinfavor '#& ofthenational_security.  (#' @( Order     TheDecisionis AFFIRMED .     `     h   Signed:Michael_Raanan_Ԁ <     `     h   Michael_Raanan_ ( x    `     h   AdministrativeJudge  d    `     h   Chairperson,AppealBoard  P     `     h   Signed:JamesEMoody      `     h   JamesE.Moody      `     h   AdministrativeJudge      `     h   Member,AppealBoard t    `     h   Signed:WilliamsS.Fields__ $t    `     h   WilliamS.Fields `    `     h   AdministrativeJudge L    `     h   Member,Appeal_Board___ 8