%PDF-1.6 % 1 0 obj <> endobj 2 0 obj <>stream 2021-06-24T10:59:09-04:00 2021-06-24T10:59:09-04:00 2021-06-24T10:59:09-04:00 Adobe Acrobat 17.0 application/pdf 02-16972.h1 uuid:1bc89025-5a26-478a-8bfb-1fdf11289ec6 uuid:523d4a06-ac15-43b0-b320-79822acd3143 Acrobat Web Capture 15.0 endstream endobj 5 0 obj <> endobj 6 0 obj <> endobj 3 0 obj <> endobj 7 0 obj <> endobj 8 0 obj <> endobj 17 0 obj <>>> endobj 18 0 obj <> endobj 19 0 obj <> endobj 21 0 obj [20 0 R 20 0 R] endobj 22 0 obj [20 0 R 20 0 R] endobj 23 0 obj [20 0 R 20 0 R] endobj 24 0 obj [20 0 R 20 0 R] endobj 20 0 obj <><><><><><>]/P 18 0 R/Pg 13 0 R/S/Article>> endobj 13 0 obj <>/ProcSet[/PDF/Text]>>/StructParents 0/Type/Page>> endobj 25 0 obj [32 0 R] endobj 26 0 obj <>stream BT /Artifact <>BDC /TT0 1 Tf 9 0 0 9 5 779 Tm (02-16972.h1)Tj EMC /Artifact <>BDC 0 -86 TD (file:///usr.osd.mil/)Tj 7.166 0 Td (...)Tj (omputer/Desktop/DOHA%20transfer/DOHA-Kane/dodogc/doha/industrial/Archive\ d%20-%20HTML/02-16972.h1.html)Tj 49.129 0 Td ([6/24/2021 10:59:09 AM])Tj EMC ET 1 g 10 36 591.75 729.75 re f 0.604 g q 1 0 0 1 16.0002 734.2497 cm 0 0 m 0.75 -0.75 l 579 -0.75 l 579.749 0 l h f Q 0.933 g q 1 0 0 1 16.7499 733.5 cm 0 0 m -0.75 -0.75 l 579 -0.75 l 578.25 0 l h f Q 0.604 g q 1 0 0 1 16.0002 732.7503 cm 0 0 m 0.75 0.75 l 0 1.499 l h f Q 0.933 g q 1 0 0 1 594.9999 733.5 cm 0 0 m 0.75 -0.75 l 0.75 0.75 l h f Q 0.604 g q 1 0 0 1 16.0002 618.75 cm 0 0 m 0.75 -0.75 l 579 -0.75 l 579.749 0 l h f Q 0.933 g q 1 0 0 1 16.7499 618.0003 cm 0 0 m -0.75 -0.751 l 579 -0.751 l 578.25 0 l h f Q 0.604 g q 1 0 0 1 16.0002 617.2497 cm 0 0 m 0.75 0.751 l 0 1.5 l h f Q 0.933 g q 1 0 0 1 594.9999 618.0003 cm 0 0 m 0.75 -0.751 l 0.75 0.75 l h f Q /Article <>BDC EMC /Article <>BDC BT 0 g 12 0 0 12 16 749.25 Tm (DATE: July 6, 2004)Tj 0 -3.25 TD (In Re:)Tj 0 -2.125 TD (--------------------)Tj T* (SSN: -----------)Tj T* (Applicant for Security Clearance)Tj 0 -3.25 TD (ISCR Case No. 02-16972)Tj /TT1 1 Tf 14.419 -2.125 Td (DECISION OF ADMINISTRATIVE JUDGE)Tj 5.126 -2.125 Td (JOHN G. METZ, JR.)Tj 0.889 -2.125 Td (APPEARANCES)Tj ET 0.75 w q 1 0 0 1 261.2061 517.5 cm 0 0 m 89.338 0 l h S Q BT 11.25 0 0 11.25 251.0312 493.5 Tm (FOR GOVERNMENT)Tj /TT0 1 Tf -4.929 -2.2 Td (Stephanie C. Hess, Esquire, Department Counsel)Tj -0.222 -2.2 Td (Braden M. Murphy, Esquire, Department Counsel)Tj /TT1 1 Tf 5.929 -2.2 Td (FOR APPLICANT)Tj /TT2 1 Tf 2.722 -2.2 Td (Pro Se)Tj /TT1 1 Tf 12 0 0 12 276.5312 369 Tm (SYNOPSIS)Tj ET q 1 0 0 1 276.5312 368.25 cm 0 0 m 58.688 0 l h S Q BT /TT0 1 Tf 12 0 0 12 16 343.5 Tm (Applicant's history of financial irresponsibility since 1992 renders him\ an unsuitable candidate for a security clearance.)Tj 0 -1.125 TD (Clearance denied.)Tj /TT1 1 Tf 17.558 -2.125 Td (STATEMENT OF THE CASE)Tj ET q 1 0 0 1 226.6914 303.75 cm 0 0 m 158.367 0 l h S Q BT /TT0 1 Tf 12 0 0 12 16 279 Tm (Applicant challenges the 7 November 2003 Defense Office of Hearings and \ Appeals \(DOHA\) Statement of Reasons)Tj 0 -1.375 TD (\(SOR\) recommending denial or revocation)Tj /Span<>> BDC ( )Tj EMC 17.356 0 Td (of Applicant's clearance because of Financial Considerations.)Tj 0 0 0.933 rg 9.75 0 0 9.75 519.3262 267 Tm ( \(1\))Tj ET 0 0 0.933 RG q 1 0 0 1 519.3262 266.25 cm 0 0 m 13.806 0 l h S Q BT 0 g 12 0 0 12 533.1323 262.5 Tm ( Applicant)Tj -43.094 -1.125 Td (answered the SOR on 12 January 2004, and requested a hearing. The case w\ as)Tj /Span<>> BDC ( )Tj EMC 31.601 0 Td (assigned to me on 4 May 2004 and)Tj -31.601 -1.125 Td (subsequently set for and heard on 15 June 2004. DOHA received the transc\ ript \(Tr.\) on 29 June 2004.)Tj /TT1 1 Tf 18.78 -2.125 Td (PROCEDURAL ISSUES)Tj ET 0 G q 1 0 0 1 241.3604 209.25 cm 0 0 m 129.029 0 l h S Q BT /TT0 1 Tf 12 0 0 12 16 184.5 Tm (At the hearing, I gave Applicant until the close of business 25 June 200\ 4 to provide any additional documentation of his)Tj 0 -1.125 TD (financial situation or repayment efforts.)Tj /Span<>> BDC ( )Tj EMC 16.105 0 Td (Applicant provided a timely response to which Department Counsel raised \ no)Tj -16.105 -1.125 Td (objection. Accordingly, I receive Applicant's submission as Applicant's \ Exhibit)Tj /Span<>> BDC ( )Tj EMC 31.993 0 Td (B \(A.E. B\).)Tj /TT1 1 Tf -12.587 -2.125 Td (FINDINGS OF FACT)Tj ET q 1 0 0 1 248.8721 131.25 cm 0 0 m 114.006 0 l h S Q BT /TT0 1 Tf 12 0 0 12 16 106.5 Tm (Applicant admitted the SOR allegations, except for the debts at subparag\ raph 1.d., 1.e., .f., 1.g., 1.j., 1.l., and 1.m.)Tj T* (Accordingly, I incorporate his admissions as)Tj /Span<>> BDC ( )Tj EMC 18.08 0 Td (findings of fact.)Tj -18.08 -2.125 Td (Applicant--a 31-year-old employee of a defense contractor--seeks access \ to classified information. 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I find Applicant's)Tj T* (testimony not credible on this point because I am not prepared to impute\ malpractice to his attorney and I do not believe)Tj T* (Applicant signed the reaffirmation without being advised of its meaning.\ )Tj ET EMC endstream endobj 15 0 obj <>/ProcSet[/PDF/Text]>>/StructParents 2/Type/Page>> endobj 43 0 obj <>stream BT /Artifact <>BDC /TT0 1 Tf 9 0 0 9 5 779 Tm (02-16972.h1)Tj EMC /Artifact <>BDC 0 -86 TD (file:///usr.osd.mil/)Tj 7.166 0 Td (...)Tj (omputer/Desktop/DOHA%20transfer/DOHA-Kane/dodogc/doha/industrial/Archive\ d%20-%20HTML/02-16972.h1.html)Tj 49.129 0 Td ([6/24/2021 10:59:09 AM])Tj EMC ET 1 g 10 36 591.75 729.75 re f /Article <>BDC EMC /Article <>BDC q 10 36 592 730 re W n BT 0 g 12 0 0 12 16 755.25 Tm (listed in Section 6.3. and in Enclosure \(2\) of the Directive. Although\ the presence or absence of a particular condition)Tj ET Q BT 0 g 12 0 0 12 16 741.75 Tm (for)Tj /Span<>> BDC ( )Tj EMC (or against clearance is not determinative, the specific adjudicative gui\ delines should be followed whenever a case)Tj 0 -1.125 TD (can be measured against this policy guidance,)Tj /Span<>> BDC ( )Tj EMC 18.549 0 Td (as the guidelines reflect consideration of those factors of seriousness,\ )Tj -18.549 -1.125 Td (recency, motivation, )Tj /TT1 1 Tf 8.441 0 Td (etc)Tj /TT0 1 Tf 1.166 0 Td (.)Tj -9.607 -2.125 Td (Considering the evidence as a whole, the following adjudication policy f\ actors are most pertinent to this case:)Tj /TT2 1 Tf 12.891 -2.125 Td (FINANCIAL CONSIDERATIONS \(GUIDELINE F\))Tj ET 0.75 w q 1 0 0 1 170.6904 663 cm 0 0 m 270.369 0 l h S Q BT /TT0 1 Tf 12 0 0 12 16 638.25 Tm (E2.A6.1.1. The Concern: An individual who is financially overextended is\ at risk of having to engage in illegal acts to)Tj T* (generate funds. Unexplained affluence is)Tj /Span<>> BDC ( )Tj EMC 16.604 0 Td (often linked to proceeds from financially profitable criminal acts.)Tj -16.604 -2.125 Td (E2.A6.1.2. Conditions that could raise a security concern and may be dis\ qualifying include:)Tj 0 -2.125 TD (E2.A6.1.2.1. A history of not meeting financial obligations;)Tj T* (E2.A6.1.2.3. Inability or unwillingness to satisfy debts;)Tj T* (E2.A6.1.3. Conditions that could mitigate security concerns include:)Tj T* (E2.A6.1.3.3. The conditions that resulted in the behavior were largely b\ eyond the person's control \(e.g. loss of)Tj 0 -1.125 TD (employment. . .\).)Tj /TT2 1 Tf 20.684 -2.125 Td (Burden of Proof)Tj ET q 1 0 0 1 264.2119 457.5 cm 0 0 m 83.326 0 l h S Q BT /TT0 1 Tf 12 0 0 12 16 432.75 Tm (Initially, the Government must prove controverted facts alleged in the S\ OR. If the Government meets that burden, the)Tj T* (burden of persuasion then shifts to an)Tj /Span<>> BDC ( )Tj EMC 15.247 0 Td (applicant to establish security suitability through evidence of refutati\ on,)Tj -15.247 -1.125 Td (extenuation or mitigation sufficient to demonstrate that, despite the ex\ istence of)Tj /Span<>> BDC ( )Tj EMC 32.157 0 Td (disqualifying conduct, it is nevertheless)Tj -32.157 -1.125 Td (clearly consistent with the national interest to grant or continue the s\ ecurity clearance.)Tj 0 -2.125 TD (A person who seeks access to classified information enters into a fiduci\ ary relationship with the Government predicated)Tj 0 -1.125 TD (upon trust and confidence. Where facts)Tj /Span<>> BDC ( )Tj EMC 15.91 0 Td (proven by the Government raise doubts about an applicant's judgment, rel\ iability)Tj -15.91 -1.125 Td (or trustworthiness, the applicant has a heavy burden of persuasion to)Tj /Span<>> BDC ( )Tj EMC 27.66 0 Td (demonstrate that he or she is nonetheless security)Tj -27.66 -1.125 Td (worthy. As noted by the United States Supreme Court in )Tj /TT1 1 Tf 22.858 0 Td (Department of the Navy v. Egan)Tj /TT0 1 Tf 12.886 0 Td (, 484 U.S. 518, 531)Tj /Span<>> BDC ( )Tj EMC (\(1988\),)Tj -35.744 -1.125 Td ("the clearly consistent standard indicates that security-clearance deter\ minations should err, if they must, on the side of)Tj T* (denials.")Tj /TT2 1 Tf 20.489 -2.125 Td (CONCLUSIONS)Tj ET q 1 0 0 1 261.8652 273 cm 0 0 m 88.02 0 l h S Q BT /TT0 1 Tf 12 0 0 12 16 248.25 Tm (The Government has established its case under Guideline F and Applicant \ failed to mitigate the financial concerns.)Tj T* (Acknowledging that Applicant's discharge)Tj /Span<>> BDC ( )Tj EMC 17.231 0 Td (from the Navy was not his fault, Applicant has an unbroken 12-year histo\ ry)Tj -17.231 -1.125 Td (of financial irresponsibility and poor financial choices: not reducing h\ is expenses)Tj /Span<>> BDC ( )Tj EMC 32.741 0 Td (when he left the Navy, undertaking)Tj -32.741 -1.125 Td (full-time college without adequate financial planning, buying a car whil\ e unemployed and in school, ignoring defaulted)Tj T* (accounts. Even with a chapter 7 discharge, Applicant was quickly back in\ financial hot water that forced him into a)Tj T* (chapter 13 bankruptcy. He was lackadaisical)Tj /Span<>> BDC ( )Tj EMC 18.076 0 Td (in ensuring that the chapter 13 payments continued when he changed jobs)Tj -18.076 -1.125 Td (in February 2003 and has taken no effective action to address the dismis\ sal of the)Tj /Span<>> BDC ( )Tj EMC 32.796 0 Td (chapter 13 plan in early 2004, despite)Tj -32.796 -1.125 Td (having sufficient joint income to do so.)Tj 0 -2.125 TD (Applicant meets none of the mitigating factors for financial considerati\ ons. His financial difficulties due to his)Tj 0 -1.125 TD (irresponsible financial management, not)Tj /Span<>> BDC ( )Tj EMC 16.3 0 Td (circumstances beyond his control. They are both recent and not isolated;\ indeed)Tj -16.3 -1.125 Td (they are ongoing. Applicant has not stopped digging himself into a finan\ cial)Tj /Span<>> BDC ( )Tj EMC 30.688 0 Td (hole, much less started to pull himself out)Tj -30.688 -1.125 Td (of it. I conclude Guideline F against Applicant.)Tj /TT2 1 Tf 19.364 -2.125 Td (FORMAL FINDINGS)Tj ET q 1 0 0 1 248.374 61.5 cm 0 0 m 115.002 0 l h S Q EMC endstream endobj 44 0 obj <> endobj 45 0 obj <> endobj 46 0 obj <>stream H\j0 \/J[bR[c"o?*̐3%˿Cu\7ASmlqpkTtſJq¾r:0ӳ.P[:wCy= VP`B/mz$-+K4/)O9{,Si G *VJ(δJ;OviwTx@|>o6)oٰ̢&O#S ^ E>υsf-w;YYRhSs:ΘO}jK]z/&_vᵹ@6Fc~@Y_B endstream endobj 47 0 obj <>stream H|TU}8" ν.1DMD J#*; Vbł{Wzcjހ>}oZ={̿AJ!o6x]--VؤFD%-/ ?u}h6u1P8/ %RԨwG60EG?jx$BN_6X='MPz fED-܁n24 $2,,QQD{h=jpXԺ4`P R"!j^wdH1Vbdq ]f)o3ɑ0_VБ:i?(<)N*wp*Ksz(PM.PUKJq-Vν|*W饙ojkԬUNz4lԸIf[kS6m۵Ne._~owе[{Gۯ䀁Qy谘#~9jر?ab SN8csK -^t+W^v߰qS-[mߑs={e?y0P#G?q9{pv-:DE$: `2t5l`oa<'^ʧ(%wJ2QLW+}=yYֻ[E >knvX-VfFQL<3(2{άT*"ty|$Wób:QP*(yJ"Uy)x} zY{65lj\kΏk.Eキ3ws28/bF5JBG{iH" b40LY`1%a= HD/C(N8N$#gp9؈x88<@&/"( h 0_0 #ѲZC<.K@L8OI4oRIE!-EP2-%#P *Ih9^5Rh5H(6ڊ7@)vAiJQiE RYr ܤrN{(SB{ie~:@A T*Aʢ*T<ɋQ6[mDfa:BGtN7Ntr stFթ.]T[x+ox'ݼy/՜!o*>|ga>G|O:g,|/%W[8 ɷ6|ﳝCG;?'s~/_cy,Ž VIT4tc\|!Ek^*oB1# ݙ3̿wi񐄠J)1!NZwܝ"8o^o\+r(7r*r)wr+sι.:!yXG1y\')A(?;Kes޹*K-O3<' $/jkZznFnfn67KT?_ P JU5T S5RR՘ڍSU W*RE jVd5EMus溅n[ֺn~_藺;jڥv=jڧ:#:e{cS&ęx'}+♸"x-ވTV >O"(M-\#M҉`)=}A(#e̔EMrPNE)|?M?Ӿ_@(C0T8~o~_7:U= B%2TQ(W'4("(hMhDizJSizz^7*UU{A}TgvX0˒3{p: 9=g3s8;0rNŹ9|4Mp+.&\ w s.EbA%8Kr)..q]e,Pw]\+r%U*W\kr-u.܀nM)7܂[rҬ܆r;n#w܅)w7p4W܋{s?~ǃxI4I&7)f<ɣx4 /+&ݧ6g;t.gsBuv8;sA u29b>,Ȋlr#(g{ȉ\ȍ<@>Ǘ PPEPDQ!(R(2(r5PPPUPP5PPuP M - F-ڡ=:#:3+F7|=LGt6]LWD/FE?]HEW]Tu.NG]r@u.o6Ҽ]sƁTS10C0T`cFbFc b# ( hLdLTLtLg6fa68K11X! >dG `!a1`);, *:l&ll6l7k:Nnu%`/a?x G_pwp3L;ζs\c<#O/ox[s2s07-s5s\1W5?֏s~'|?_/%R_W5Zo7-Vq$nGYտ]QQ\gEQ AeT>"]D 6DOՀG{P۪Qc'j9GPSpk')8xb(ȼ'չ+ͿKt|i;` eǀr,4zP6oR."cyɼ&/&)jfAq>ΜMaj+= Hxռ`)8Yfыi5m"gbJ5mhXSBjRJnQb" Z%P =ϊ$ DIch<ޠ7,89LOS)~@|bQ h:4] ֲL80tH^U X k "׈f?ެ20;8i2^^[چ_\Nq[X?o3#̻ Nkyc|2<00 ei^(jhJڏ<`v@ƍf6FvQ^]vCf0d%LL}nqFyw̷͇ kS2 E NI O/=h9Y)>8L>\R6[Կѿ푈,ذ3[cG;j]°8\Ëy);'D,K]+XSy zc7 c`s"tOaD5D}vp@ׅG bTx3+y fwo+F!'үj:%_`;{2pٷ}ڑq㢿??? 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H\ e acknowledges being financially irresponsible)Tj T* (for many years \(Tr. 41\).)Tj 0 -2.125 TD (When Applicant left )Tj 8.414 0 Td (the Navy, his income was drastically reduced, but he apparently did not \ make any changes in his)Tj -8.414 -1.125 Td (lifestyle and began to experience)Tj /Span<>> BDC ( )Tj EMC 13.411 0 Td (financial hardship. In 1994, he compounded his financial difficulties by\ entering)Tj -13.411 -1.125 Td (college full time, using his G.I. benefits to fund books and some living\ )Tj /Span<>> BDC ( )Tj EMC 28.496 0 Td (expenses, taking out educational loans for the)Tj -28.496 -1.125 Td (rest. As he was not working, his other bills continued to mount. He star\ ted working part time, then increased his)Tj 0 -1.125 TD (working hours while decreasing his college hours, then dropped college a\ ltogether in 1997. When he dropped below 3/4)Tj T* (attendance, his college loans became)Tj /Span<>> BDC ( )Tj EMC 14.993 0 Td (due and he defaulted. He currently owes the Department of Education near\ ly)Tj -14.993 -1.125 Td ($40,000.00 in non-dischargeable educational loans on which he has never \ made a)Tj /Span<>> BDC ( )Tj EMC 32.878 0 Td (payment. While in college, he bought)Tj -32.878 -1.125 Td (a car that was repossessed when he could not make the payments.)Tj 0 -2.125 TD (Overwhelmed by his debts, Applicant consulted an attorney and filed for \ chapter 7 bankruptcy protection in August)Tj 0 -1.125 TD (1998. He was discharged of over)Tj /Span<>> BDC ( )Tj EMC ($71,000.00 in debt in November 1998, but before his discharge he affirme\ d one)Tj 0 -1.375 TD (secured debt for $1,800.00 \(for furniture\) payable at 24% interest.)Tj 0 0 0.933 rg 9.75 0 0 9.75 332.5527 516.75 Tm ( \(2\))Tj ET 0 0 0.933 RG 0.75 w q 1 0 0 1 332.5527 516 cm 0 0 m 13.806 0 l h S Q BT 0 g 12 0 0 12 16 486.75 Tm (Applicant's fresh start did not last very long. Shortly after his chapte\ r 7 discharge, he bought a late model used car.)Tj 0 -1.125 TD (Applicant fell behind in the payments and)Tj /Span<>> BDC ( )Tj EMC 17.023 0 Td (the creditor obtained a judgment against Applicant in September 2000.)Tj -17.023 -1.125 Td (Applicant claims, without corroboration, that he was making payments on \ the car, but)Tj /Span<>> BDC ( )Tj EMC 34.603 0 Td (not as much as the creditor)Tj -34.603 -1.125 Td (wanted him to make. The creditor garnished Applicant's wages, precipitat\ ing his chapter 13 bankruptcy petition in)Tj T* (December 2001.)Tj /Span<>> BDC ( )Tj EMC 6.858 0 Td (The plan was confirmed in February 2002. Applicant was to have bi-weekly\ withholding of $83.50)Tj -6.858 -1.125 Td (from his paycheck \($167.00/month\) for 60 months, or a total)Tj /Span<>> BDC ( )Tj EMC 24.551 0 Td (of $10,000.00. Applicant made about a third of the)Tj -24.551 -1.125 Td (required payments before changing jobs in approximately February 2003 \(\ and even then he was one payment)Tj /Span<>> BDC ( )Tj EMC 43.986 0 Td (behind\).)Tj -43.986 -1.125 Td (His new employer was to continue the withholding, however, the withholdi\ ng did not begin when Applicant expected it)Tj T* (to and he was not very diligent)Tj /Span<>> BDC ( )Tj EMC 12.581 0 Td (in ensuring that the withholding resumed. By the time the employer strai\ ghtened the)Tj -12.581 -1.125 Td (matter out and withheld the first two paycheck installments properly, th\ e)Tj /Span<>> BDC ( )Tj EMC 29.326 0 Td (employer had been served with the notice of)Tj -29.326 -1.125 Td (dismissal and stopped the withholding. Applicant got his withholding bac\ k in March 2004. Since the dismissal of)Tj /Span<>> BDC ( )Tj EMC 45.579 0 Td (the)Tj -45.579 -1.125 Td (chapter 13 bankruptcy, Applicant has )Tj 15.217 0 Td (taken no action to either reinstate the plan or otherwise address the de\ bts that were)Tj -15.217 -1.125 Td (covered by the plan.)Tj 0 -2.125 TD (Applicant has 13 delinquent credit accounts totaling nearly $42,000.00. \ Although he denied six of these as being)Tj 0 -1.125 TD (covered in his chapter 7 discharge, he has not)Tj /Span<>> BDC ( )Tj EMC 18.438 0 Td (corroborated that claim. Some of the denied debts he acknowledged)Tj -18.438 -1.125 Td (having not been in his chapter 7 filing in a sworn statement in April 20\ 02, and he)Tj /Span<>> BDC ( )Tj EMC 32.715 0 Td (acknowledged at the hearing that some)Tj -32.715 -1.125 Td (of the denied debts could not have been in the chapter 7 petition becaus\ e they did not appear on his credit report until)Tj T* (after his chapter 7 discharge.)Tj 0 -2.125 TD (Applicant and his wife make $130,000.00 annually, yet are not paying on \ any of the delinquent debt, including the)Tj 0 -1.125 TD (student loans. He has not entered into any)Tj /Span<>> BDC ( )Tj EMC 16.968 0 Td (repayment schedules with any of the creditors. Applicant's post-hearing)Tj -16.968 -1.125 Td (submission documents that he has some accounts \(not alleged in the SOR\)\ that he has a)Tj /Span<>> BDC ( )Tj EMC 35.215 0 Td (satisfactory payment history on,)Tj -35.215 -1.125 Td (but also demonstrates that in April 2002, Applicant and his wife bought \ a new $30,000.00 truck by taking over the)Tj T* (remaining)Tj /Span<>> BDC ( )Tj EMC 4.304 0 Td (70 payments \(of 72\) of nearly $590.00 per month. Applicant began makin\ g payments in May 2002. From)Tj -4.304 -1.125 Td (May 2002 to June 2004, Applicant was assessed a late)Tj /Span<>> BDC ( )Tj EMC 21.968 0 Td (payment fee 13 times, was assessed a non-sufficient funds fee)Tj -21.968 -1.125 Td (once, and obtained a one-month extension of time to pay twice. However, \ he has made every)Tj /Span<>> BDC ( )Tj EMC 37.459 0 Td (payment on time since)Tj -37.459 -1.125 Td (receiving the SOR.)Tj /TT1 1 Tf 0 -2.125 TD (POLICIES)Tj ET 0 G q 1 0 0 1 16 99 cm 0 0 m 57.352 0 l h S Q BT /TT0 1 Tf 12 0 0 12 16 74.25 Tm (Enclosure 2 of the Directive sets forth adjudicative guidelines to be co\ nsidered in evaluating an individual's security)Tj 0 -1.125 TD (eligibility. 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