%PDF-1.6 % 1 0 obj <> endobj 2 0 obj <>stream 2021-06-24T11:05:10-04:00 2021-06-24T11:05:09-04:00 2021-06-24T11:05:10-04:00 Adobe Acrobat 17.0 application/pdf 02-23668.h1 uuid:9353452c-2fa6-4d7d-be10-93d256425505 uuid:04c46506-962c-44bf-86a8-ddafdd3145c2 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 19 0 obj <>>> endobj 20 0 obj <> endobj 21 0 obj <> endobj 23 0 obj [22 0 R 22 0 R] endobj 24 0 obj [22 0 R 22 0 R] endobj 25 0 obj [22 0 R 22 0 R] endobj 26 0 obj [22 0 R 22 0 R] endobj 27 0 obj [22 0 R 22 0 R] endobj 28 0 obj [22 0 R 22 0 R] endobj 22 0 obj <><><><><><><><><><>]/P 20 0 R/Pg 13 0 R/S/Article>> endobj 13 0 obj <>/ProcSet[/PDF/Text]>>/StructParents 0/Type/Page>> endobj 29 0 obj [36 0 R] endobj 30 0 obj <>stream BT /Artifact <>BDC /TT0 1 Tf 9 0 0 9 5 779 Tm (02-23668.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/02-23668.h1.html)Tj 49.129 0 Td ([6/24/2021 11:05:09 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: April 7, 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. 02-23668)Tj /TT1 1 Tf 14.419 -2.125 Td (DECISION OF ADMINISTRATIVE JUDGE)Tj 2.793 -2.125 Td (KATHRYN MOEN BRAEMAN)Tj 3.222 -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 -5.428 -2.2 Td (Kathryn MacKinnon, Esquire, Department Counsel)Tj /TT1 1 Tf 6.206 -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 393.75 Tm (SYNOPSIS)Tj ET q 1 0 0 1 276.5312 393 cm 0 0 m 58.688 0 l h S Q BT /TT0 1 Tf 12 0 0 12 16 368.25 Tm (Applicant )Tj 4.193 0 Td (mitigated security concerns over the financial problems created by his w\ ife's compulsive gambling in 1996-99)Tj -4.193 -1.125 Td (and over allegations of personal)Tj /Span<>> BDC ( )Tj EMC 13.023 0 Td (conduct, and criminal conduct.. )Tj 12.857 0 Td (When he completed his security forms in 1999, he had)Tj -25.88 -1.125 Td (no knowledge of their financial difficulties: )Tj 17.661 0 Td (his wife handled their)Tj /Span<>> BDC ( )Tj EMC 8.942 0 Td (finances and initially hid these debts. As he had no)Tj -26.603 -1.125 Td (intent to falsify on his security form, no personal conduct and criminal\ conduct security concerns were)Tj /Span<>> BDC ( )Tj EMC 41.293 0 Td (demonstrated. )Tj 5.887 0 Td (To)Tj -47.18 -1.125 Td (deal with her gambling debts, his wife sought financial and other counse\ ling. )Tj 31.048 0 Td (They resolved debts to many creditors not)Tj -31.048 -1.125 Td (alleged in the SOR. )Tj 8.082 0 Td (While they only paid Creditor #1, the other creditors wrote off their de\ bts several years ago, and)Tj -8.082 -1.125 Td (they have not incurred any new debts. )Tj 15.439 0 Td (Applicant is now more)Tj /Span<>> BDC ( )Tj EMC 9.387 0 Td (involved in the family finances and is highly regarded at)Tj -24.827 -1.125 Td (work. )Tj (Clearance is granted.)Tj /TT1 1 Tf 17.558 -2.125 Td (STATEMENT OF THE CASE)Tj /TT0 1 Tf -17.558 -2.125 Td (The Defense Office of Hearings and Appeals \(DOHA\) issued a Statement o\ f Reasons \(SOR\) to the Applicant on July)Tj 0 -1.125 TD (11, 2003. )Tj (The SOR detailed reasons why)Tj /Span<>> BDC ( )Tj EMC 16.636 0 Td (the Government could not make the preliminary positive finding that it i\ s)Tj -16.636 -1.375 Td (clearly consistent with the national interest to grant or continue a sec\ urity clearance)Tj /Span<>> BDC ( )Tj EMC 33.626 0 Td (for the Applicant.)Tj 0 0 0.933 rg 9.75 0 0 9.75 504.4844 197.25 Tm ( \(1\))Tj ET 0 0 0.933 RG q 1 0 0 1 504.4844 196.5 cm 0 0 m 13.806 0 l h S Q BT 0 g 12 0 0 12 518.2905 192.75 Tm ( )Tj (The SOR)Tj -41.858 -1.125 Td (alleges specific concerns in paragraph 1 over financial issues \(Guideli\ ne F\), in paragraph 2 over personal conduct)Tj T* (\(Guideline E\), )Tj 5.97 0 Td (and in paragraph 3 over criminal conduct \(Guideline J\). Applicant resp\ onded to these SOR allegations in)Tj -5.97 -1.125 Td (an Answer notarized on July 17, 2003. )Tj 15.691 0 Td (He denied all)Tj /Span<>> BDC ( )Tj EMC 5.581 0 Td (allegations and requested a hearing.)Tj -21.272 -2.125 Td (The case was assigned to Department Counsel who on October 30, 2003, sta\ ted it was ready to proceed. )Tj 41.85 0 Td (On November)Tj -41.85 -1.125 Td (6, 2003, the case was assigned to me. )Tj 15.191 0 Td (A)Tj /Span<>> BDC ( )Tj EMC (mutually convenient date for hearing was agreed to and a Notice of Heari\ ng)Tj -15.191 -1.125 Td (issued on December 1, 2003, set the matter for December 22, 2003. )Tj 27.27 0 Td (The)Tj /Span<>> BDC ( )Tj EMC (Government offered four exhibits which were)Tj -27.27 -1.125 Td (admitted into evidence \(Exhibits 1-4\). )Tj 15.44 0 Td (Applicant testified, called one witness, and offered nine exhibits \(Exh\ ibits)Tj /Span<>> BDC ( )Tj EMC 29.881 0 Td (A)Tj -45.321 -1.125 Td (through I\) which were admitted into evidence. \(TR 17-20\) )Tj 23.548 0 Td (The )Tj (transcript \(TR\) was received on January 6, 2004.)Tj /TT1 1 Tf -4.142 -2.125 Td (FINDINGS OF FACT)Tj ET 0 G q 1 0 0 1 248.8721 46.5 cm 0 0 m 114.006 0 l h S Q EMC endstream endobj 31 0 obj <> endobj 32 0 obj (3=|«\nN) endobj 33 0 obj <> endobj 34 0 obj <> endobj 35 0 obj <> endobj 41 0 obj <> endobj 42 0 obj <>stream H\j0 ~ Cqb>Xpl%3,qC~]:OHvϝ5{p:֠eQ[3N~["Ν%6]p[`uFmAH^3ϲC)ov _gӸx0H;!Y F2_\Tèe`NUEpTD|n2#L.s^c@ǂ@tدfz endstream endobj 43 0 obj <>stream H|Xϙsewvfa=h <}D@Dň b[,("*v"6DEv]łY}~߹瞹g|@@ЧqO܂CCbUl nC+,I3(@惣EVgP~fdxH%ZF8Ǿѱq"=jDh G!q1(`Q*Ox߇1#F:=)ۏSbÌDĥ4DT(rE qx2m.z0NV40k"*H|'WXˇ"e,$&h$ٵBJWV˻FZ:Eo0:uoF4m׼EV۴m߾;uҵ[/z|^}g~݀B#G:,*zF8flܸ?MyɿLI:mzbҌ䙳fI;o_.Zd),[beik֮3@7en޲u;we޳w9;r' N>Sgp\j^]Ve^ pBaPI4f*:CX% 6Atq8G<&>_jjikN$J3U)~JeCSTy#9@CWCQ0kc=ccc1Gq1 jEMTڪPmQj&3*uMݫWzEg7u4u6BMa '5jl0O7g /rt;:8:9:J}3*`2ɗi<%p) 5Ŧb1DLgsBD C6O[].U\VJ% %^٥U.*ה+=#}* C!#wΡQC1/8~䐢9s99rl4'_oh9áu::888o+Q7܇C/+ϕdKK@;Y}b }-D[[MMMvUo~}mm-l纗m-GMlm~6_kwk7ZjֲzZRl[Zne9jɱd[eeb,9e96]• 4ijh ʵq:0q8q > tBsZ?X 9Cz*r=iuf}\|\EGg:piSG4 ɰp% f"H\ޗ Ȁ^j(lA )P>DY8 ̅p @1$P `8 10 FÏ c`,!8 ~ `Lr2ONUC#$)bH4",|JK_Q:JO(#eE)3eelrPNE)ME /JR*H0 [}Wo[N'L!TBTJQi*Ca?P8EP$EXG)&Dd^zިJV)>O &vYbf5NÖ>t3pFę9 glO98'ܜ4 ܅ sc8x7Mt \]. .ʡ\s w] .ɥ4qW\sȕ2W\s ɵ6\,ܐqcnM7O-:n-6ܖq{S":wzwwIuEWݹ^ܛp_S{BkLI0<`Cy-?RS%R-ŴbI_}ڬ qSW+@/ B^W+Jz^/+He۱⮸*p7tܱvo;N*xJ^eWիUjx5Z^mW׫x F^cT_%}Y_W5}]7-}#zLOYgOD)g9!;;I}Ήv9Sa GZ|tH s ,1[G&dFdu9M}dGD.v k||ȏ(B("@ E(8J$J4ʘCYCyT@ETBeTAUTCu@MBmE=G4D#4F4E34G e m ߢ3C|io:;z'z7. 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Guideline J )Tj 10.136 0 Td (FOR APPLICANT)Tj -10.136 -2.125 Td (Subparagraph 3.a.: )Tj 7.775 0 Td (For Applicant)Tj /TT1 1 Tf 13.908 -2.125 Td (DECISION)Tj ET 0.75 w q 1 0 0 1 276.2002 550.5 cm 0 0 m 59.35 0 l h S Q BT /TT0 1 Tf 12 0 0 12 16 525.75 Tm (In light of all the circumstances presented by the record in this case, \ it is clearly consistent with the national interest to)Tj 0 -1.125 TD (grant or continue a security clearance for)Tj /Span<>> BDC ( )Tj EMC 16.63 0 Td (the Applicant.)Tj -1.224 -2.125 Td (___________________________________)Tj ET q 1 0 0 1 200.875 486 cm 0 0 m 210 0 l h S Q BT 12 0 0 12 247.5596 461.25 Tm (Kathryn Moen Braeman)Tj 0.569 -2.125 Td (Administrative Judge)Tj -18.854 -2.125 Td (1. )Tj (This procedure is required by Executive Order 10865, as amended, and Dep\ artment of Defense Directive 5220.6,)Tj 7.885 -1.125 Td (dated January 2, 1992 \(Directive\), as)Tj /Span<>> BDC ( )Tj EMC 14.995 0 Td (amended by Change 4, April 20, 1999.)Tj -23.619 -2.125 Td (2. )Tj (Although he disclosed these issues in a December 2000 DSS interview, his\ wife testified she did not tell her husband)Tj -0.269 -1.125 Td (everything until early 2001. )Tj 11.358 0 Td (He did not)Tj /Span<>> BDC ( )Tj EMC (remember when she first told him as he was "floored." )Tj 26.532 0 Td (\(TR 41, 43; 64-65; 69-70\))Tj -37.729 -2.125 Td (3. )Tj (Even though she has handled security clearances for a defense contractor\ in the past, she lied to her husband. )Tj 44.79 0 Td (\(TR 29\))Tj -38.848 -1.125 Td (However, her security clearance is)Tj /Span<>> BDC ( )Tj EMC 14.048 0 Td (no longer an issue as she no longer works for that firm.)Tj -19.203 -2.125 Td (4. )Tj /TT1 1 Tf (Conditions that could mitigate security concerns include:)Tj /TT0 1 Tf 25.333 0 Td ( 1. )Tj (The behavior was not recent; 2. )Tj 14.106 0 Td (It was an isolated)Tj -38.11 -1.125 Td (incident; )Tj 3.749 0 Td (3. )Tj (The conditions that resulted)Tj /Span<>> BDC ( )Tj EMC 12.386 0 Td (in the behavior were largely beyond the person's control \(e.g., loss of\ )Tj -18.293 -1.125 Td (employment, a business downturn, unexpected medical emergency, or a deat\ h, divorce or)Tj /Span<>> BDC ( )Tj EMC 36.043 0 Td (separation\); )Tj 4.97 0 Td (4. )Tj (The person has)Tj -40.763 -1.125 Td (received or is receiving counseling for the problem and there are clear \ indications that the problem is being resolved or)Tj 0.833 -1.125 Td (is under)Tj /Span<>> BDC ( )Tj EMC (control; )Tj 6.804 0 Td (5. )Tj (The affluence resulted from a legal source; and 6. )Tj 21.102 0 Td (The individual initiated a good-faith effort to)Tj -15.16 -1.125 Td (repay overdue creditors or otherwise resolve debts.)Tj ET EMC endstream endobj 17 0 obj <>/ProcSet[/PDF/Text]>>/StructParents 4/Type/Page>> endobj 47 0 obj [49 0 R] endobj 48 0 obj <>stream BT /Artifact <>BDC /TT0 1 Tf 9 0 0 9 5 779 Tm (02-23668.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/02-23668.h1.html)Tj 49.129 0 Td ([6/24/2021 11:05:09 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 (Unbeknownst to him, she began to gamble in1996)Tj /Span<>> BDC ( )Tj EMC 20.358 0 Td (and spiraled down in 1998 by using their credit cards for cash)Tj ET Q BT 0 g 12 0 0 12 16 741.75 Tm (advances. )Tj (As a consequence, the family developed \(1\) a history of financial prob\ lems and)Tj /Span<>> BDC ( )Tj EMC 36.154 0 Td (showed \(3\) an inability or)Tj -36.154 -1.125 Td (unwillingness to satisfy debts as debts to several creditors were charge\ d off and remained on their credit report. )Tj 44.791 0 Td (\(SOR)Tj -44.791 -1.125 Td (1.a-1.e.\) )Tj (Busy)Tj /Span<>> BDC ( )Tj EMC (with his job, Applicant for several years failed to focus on his family \ financial responsibilities and)Tj 0 -1.125 TD (entrusted his wife with total responsibility.)Tj 0 -2.125 TD (However, once the problems surfaced in 1998, Applicant's wife went to GA\ , eventually had herself banned from the)Tj 0 -1.125 TD (casino, and engaged in several strategies to)Tj /Span<>> BDC ( )Tj EMC 17.494 0 Td (resolve their family finances, including going to CCC to resolve debts t\ hat)Tj -17.494 -1.125 Td (were not included in the SOR and borrowing money from a family member th\ at they)Tj /Span<>> BDC ( )Tj EMC 34.186 0 Td (have been consistently repaying at)Tj -34.186 -1.125 Td (the rate of $1,000 per month. )Tj 11.886 0 Td (She did not resolve three of the remaining debts addressed in the SOR as\ those creditors)Tj -11.886 -1.125 Td (had)Tj /Span<>> BDC ( )Tj EMC (charged off the loans, and she did not feel an obligation to repay. )Tj 27.936 0 Td (They did repay a debt to Creditor #1; Creditor #5)Tj -27.936 -1.125 Td (wrote off the debt but insisted they report it)Tj /Span<>> BDC ( )Tj EMC 17.635 0 Td (as income in their 1998 return. )Tj 12.524 0 Td (Their financial difficulties )Tj 10.746 0 Td (meet several)Tj -40.905 -1.375 Td (mitigating conditions \(MC)Tj 0 0 0.933 rg 9.75 0 0 9.75 143.998 596.25 Tm ( \(4\))Tj ET 0 0 0.933 RG 0.75 w q 1 0 0 1 143.998 595.5 cm 0 0 m 13.806 0 l h S Q BT 0 g 12 0 0 12 157.8042 591.75 Tm (\). )Tj (First, the problems are not recent as Applicant's wife's)Tj /Span<>> BDC ( )Tj EMC 22.743 0 Td (gambling problems in 1996-99)Tj -34.56 -1.125 Td (alone created their financial difficulties, and she subsequently took se\ veral remedial steps. )Tj 36.32 0 Td (She had herself banned from)Tj -36.32 -1.125 Td (the)Tj /Span<>> BDC ( )Tj EMC (casino in 2000 and has not returned to gambling. )Tj 21.246 0 Td (Second, the financial problems are isolated to that period and were)Tj -21.246 -1.125 Td (generated solely by her gambling problem. )Tj 17.412 0 Td (To her credit under MC4, she tried several approaches to address their)Tj -17.412 -1.125 Td (financial issues including seeking counseling for the problem; now there\ are clear)Tj /Span<>> BDC ( )Tj EMC 32.934 0 Td (indications that the problem is being)Tj -32.934 -1.125 Td (resolved or is under control. )Tj 11.497 0 Td (Applicant's wife paid off several creditors \(not alleged in the SOR\) u\ nder a CCC plan and)Tj -11.497 -1.125 Td (paid off others with money borrowed from a family member. )Tj 24.687 0 Td (They are demonstrating )Tj 9.747 0 Td (a consistent good-faith effort to)Tj -34.434 -1.125 Td (repay the family member at the rate of)Tj /Span<>> BDC ( )Tj EMC 15.604 0 Td ($1,000 per month. )Tj 7.583 0 Td (They paid the debt to Creditor #1 and resolved the debt to)Tj -23.187 -1.125 Td (Creditor #5 in 1998. )Tj 8.36 0 Td (Further, each stated they were willing to satisfy the)Tj /Span<>> BDC ( )Tj EMC 20.716 0 Td (unresolved debts to Creditors #2, #3, and #4,)Tj -29.077 -1.125 Td (with $10,000 in savings if these creditors respond to their recent writt\ en inquiries to clarify the status of these)Tj /Span<>> BDC ( )Tj EMC 44.045 0 Td (debts.)Tj -44.045 -2.125 Td (Further they provided updated budget information to show they now live w\ ithin their means and have acquired no new)Tj T* (debts. )Tj (Applicant has a stable job and)Tj /Span<>> BDC ( )Tj EMC 14.885 0 Td (income; he is highly regarded by his supervisor and the program manager.\ )Tj 29.964 0 Td (Thus,)Tj -44.849 -1.125 Td (they sufficiently demonstrate they are now financially responsible and)Tj /Span<>> BDC ( )Tj EMC 28.352 0 Td (currently are meeting their obligations. )Tj 15.828 0 Td (Also,)Tj -44.18 -1.125 Td (Applicant now takes more responsibility for oversight of the family fina\ nces. )Tj 31.104 0 Td (After considering Adjudicative)Tj /Span<>> BDC ( )Tj EMC 12.69 0 Td (Process)Tj -43.794 -1.125 Td (factors and the Adjudicative Guidelines, I rule for Applicant on all sub\ paragraphs )Tj 32.906 0 Td (under SOR Paragraph 1.)Tj /TT1 1 Tf -12.57 -2.125 Td (Personal Conduct)Tj /TT0 1 Tf -20.337 -2.125 Td (While Applicant had a duty in completing his SF 86 to disclose all adver\ se information in response to the questions)Tj T* (asked, he had no intent to falsify. )Tj 13.524 0 Td (He)Tj /Span<>> BDC ( )Tj EMC (mistakenly relied on his wife's assurances in 1999 that they had no fina\ ncial)Tj -13.524 -1.125 Td (problems. In the DSS interview in 2000 he was cooperative in explaining \ the)Tj /Span<>> BDC ( )Tj EMC 31.049 0 Td (financial issues discovered during the)Tj -31.049 -1.125 Td (investigation. )Tj 5.666 0 Td (He readily disclosed to the DSS agent the source of their financial prob\ lems: he had subsequently learned)Tj -5.666 -1.125 Td (of his wife's compulsive gambling. )Tj 14.234 0 Td (After considering the Appendix I Adjudicative Process factors and the Ad\ judicative)Tj -14.234 -1.125 Td (Guidelines, I rule for Applicant on)Tj /Span<>> BDC ( )Tj EMC 14.08 0 Td (subparagraphs 2.a. under SOR Paragraph 2.)Tj /TT1 1 Tf 6.174 -2.125 Td (Criminal Conduct)Tj /TT0 1 Tf -20.253 -2.125 Td (While Applicant had a duty to fully disclose all relevant and material i\ nformation and failed to do so, as discussed)Tj T* (above, he had no intent to falsify. )Tj 13.635 0 Td (After)Tj /Span<>> BDC ( )Tj EMC (considering the Appendix I Adjudicative Process factors and the Adjudica\ tive)Tj -13.635 -1.125 Td (Guidelines, I rule for Applicant on subparagraph 3.a. under SOR Paragrap\ h 3.)Tj /TT1 1 Tf 19.365 -2.125 Td (FORMAL FINDINGS)Tj ET 0 G q 1 0 0 1 248.374 168 cm 0 0 m 115.002 0 l h S Q BT /TT0 1 Tf 12 0 0 12 16 143.25 Tm (After reviewing the allegations of the SOR in the context of the Adjudic\ ative Guidelines in Enclosure 2 and the factors)Tj T* (set forth under the Adjudicative Process)Tj /Span<>> BDC ( )Tj EMC 16.273 0 Td (section, I make the following formal findings:)Tj -16.273 -2.125 Td (Paragraph 1. Guideline F: )Tj 10.581 0 Td (FOR APPLICANT)Tj -10.581 -2.125 Td (Subparagraph 1.a.: )Tj 7.775 0 Td (For Applicant)Tj -7.775 -2.125 Td (Subparagraph 1.b.: )Tj 7.832 0 Td (For Applicant)Tj ET EMC endstream endobj 49 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[144.0 594.0 158.0 605.0]/Subtype/Link/Type/Annot>> endobj 16 0 obj <>/ProcSet[/PDF/Text]>>/StructParents 3/Type/Page>> endobj 50 0 obj <>stream BT /Artifact <>BDC /TT0 1 Tf 9 0 0 9 5 779 Tm (02-23668.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/02-23668.h1.html)Tj 49.129 0 Td ([6/24/2021 11:05:09 AM])Tj EMC ET 1 g 10 36 591.75 729.75 re f /Article <>BDC EMC /Article <>BDC BT 0 g 12 0 0 12 16 744 Tm (1. )Tj (A history of not meeting financial obligations;)Tj 0 -2.125 TD (3. )Tj (Inability or unwillingness to satisfy debts;)Tj /TT1 1 Tf T* (Conditions that could mitigate security concerns include:)Tj /TT0 1 Tf T* (1. )Tj (The behavior was not recent;)Tj T* (2. )Tj (It was an isolated incident;)Tj T* (4. )Tj (The person has received or is receiving counseling for the problem and t\ here are clear indications that the problem is)Tj 0 -1.125 TD (being resolved or is under control;)Tj 0 -2.125 TD (6. )Tj (The individual initiated a good-faith effort to repay overdue creditors \ or otherwise resolve debts.)Tj /TT1 1 Tf 17.378 -2.125 Td (Guideline E - Personal Conduct)Tj -17.378 -2.125 Td (Conduct involving questionable judgment, untrustworthiness, unreliabilit\ y, lack of candor, dishonesty, or)Tj 0 -1.125 TD (unwillingness to comply with rules and)Tj /Span<>> BDC ( )Tj EMC (regulations could indicate that the person may not properly safeguard)Tj T* (classified information.)Tj 0 -2.125 TD (Conditions that could raise a security concern and may be disqualifying \ also include:)Tj /TT0 1 Tf T* (None)Tj /TT1 1 Tf T* (Conditions that could mitigate security concerns include:)Tj /TT0 1 Tf T* (None)Tj /TT1 1 Tf 17.378 -2.125 Td (Guideline J - Criminal Conduct)Tj -17.378 -2.125 Td (A history or pattern of criminal activity creates doubt about a person's\ judgment, reliability and trustworthiness.)Tj T* (Conditions that could raise a security concern and may be disqualifying \ include:)Tj /TT0 1 Tf T* (None)Tj /TT1 1 Tf T* (Conditions that could mitigate security concerns include:)Tj /TT0 1 Tf T* (None)Tj T* (The responsibility for producing evidence initially falls on the Governm\ ent to demonstrate that it is not clearly)Tj 0 -1.125 TD (consistent with the national interest to grant or)Tj /Span<>> BDC ( )Tj EMC 18.829 0 Td (continue Applicant's access to classified information. )Tj 21.535 0 Td (Then the Applicant)Tj -40.364 -1.125 Td (presents evidence to refute, explain, extenuate, or mitigate in order )Tj 26.961 0 Td (to overcome the)Tj /Span<>> BDC ( )Tj EMC 6.692 0 Td (doubts raised by the Government,)Tj -33.653 -1.125 Td (and to demonstrate persuasively that it is clearly consistent with the n\ ational interest to grant or continue the clearance.)Tj T* (Under the provisions of Executive Order 10865, as amended, and the Direc\ tive, a decision to grant or continue an)Tj T* (applicant's security clearance may be made)Tj /Span<>> BDC ( )Tj EMC 17.505 0 Td (only after an affirmative finding that to do so is clearly consistent wi\ th the)Tj -17.505 -1.125 Td (national interest. In reaching the fair and impartial overall common sen\ se)Tj /Span<>> BDC ( )Tj EMC 29.545 0 Td (determination, the Administrative Judge may)Tj -29.545 -1.125 Td (draw only those inferences and conclusions that have a reasonable and lo\ gical basis in the evidence of record.)Tj /TT1 1 Tf 20.489 -2.125 Td (CONCLUSIONS)Tj ET 0.75 w q 1 0 0 1 261.8652 98.25 cm 0 0 m 88.02 0 l h S Q BT 12 0 0 12 241.7002 73.5 Tm (Financial Considerations)Tj /TT0 1 Tf -18.808 -2.125 Td (Applicant trusted his wife to handle the family finances and relied on h\ er assurances that they were solvent.)Tj ET EMC endstream endobj 15 0 obj <>/ProcSet[/PDF/Text]>>/StructParents 2/Type/Page>> endobj 51 0 obj <>stream BT /Artifact <>BDC /TT0 1 Tf 9 0 0 9 5 779 Tm (02-23668.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/02-23668.h1.html)Tj 49.129 0 Td ([6/24/2021 11:05:09 AM])Tj EMC ET 1 g 10 36 591.75 729.75 re f /Article <>BDC EMC /Article <>BDC BT 0 g 12 0 0 12 16 747.75 Tm (He stated that the $5,793 debt to Creditor #2 was charged off in May 200\ 0 had no plan to pay the amount to Creditor #2.)Tj 0 -1.125 TD (\(SOR 1.b.\) \(Exhibits 2, 4\) After he)Tj /Span<>> BDC ( )Tj EMC (received the SOR, Applicant's wife wrote letters to the creditor in Augu\ st 2003 and)Tj T* (again in November 2003, but received no response. \(TR 28, 31; 43-44, 46\ ;)Tj /Span<>> BDC ( )Tj EMC 30.077 0 Td (71; Exhibit D\))Tj -30.077 -2.125 Td (He stated that the $3,162 debt to Creditor #3 was charged off in Februar\ y 2000. )Tj 32.075 0 Td (Applicant provided no plan to pay the)Tj -32.075 -1.125 Td (amount to Creditor #3. )Tj 9.36 0 Td (\(SOR 1.c.\))Tj /Span<>> BDC ( )Tj EMC (\(Exhibits 2, 4\) After he received the SOR, Applicant's wife wrote lett\ ers to the)Tj -9.36 -1.125 Td (creditor in August 2003 and again in November 2003, but received no resp\ onse.)Tj /Span<>> BDC ( )Tj EMC 32.297 0 Td (\(TR28, 31; 43-46; 71; Exhibit E\))Tj -32.297 -2.125 Td (He stated that the $6,197 debt to Creditor #4 was charged off in 1999. A\ pplicant stated )Tj 34.991 0 Td (he had no plan to pay the amount)Tj -34.991 -1.125 Td (to Creditor #4. )Tj 6.11 0 Td (\(SOR 1.d.\))Tj /Span<>> BDC ( )Tj EMC (\(Exhibits 2, 4\) )Tj 10.611 0 Td (After he received the SOR, Applicant's wife wrote letters to the credito\ r in)Tj -16.721 -1.125 Td (August 2003 and again in November 2003, but received no response.)Tj /Span<>> BDC ( )Tj EMC 27.91 0 Td (\(TR 28, 31; 43-46; 71; Exhibit F\))Tj -27.91 -2.125 Td (He stated that the $1,355 debt to Creditor #5 was not charged off, but c\ ancelled. )Tj 32.268 0 Td (Creditor #5 required Applicant to claim)Tj -32.268 -1.125 Td (it as income in their 1998 taxes. )Tj 12.997 0 Td (\(SOR 1.e.\) \(Exhibits 2, 4\) )Tj (Applicant's wife wrote to Creditor #5 to have the amount)Tj -12.997 -1.125 Td (removed from their credit report, but got no response. )Tj 21.744 0 Td (\(TR 28; Exhibit B\))Tj -21.744 -2.125 Td (Applicant earns $83,000 annually. \( TR 55\) Their December 2003 budget \ reports monthly net income of almost $5,000)Tj T* (and monthly expenses of $3,817,)Tj /Span<>> BDC ( )Tj EMC 13.47 0 Td (including the mortgage payment and a $1,000 monthly debt repayment of a \ loan to a)Tj -13.47 -1.125 Td (family member. They have approximately a $800 monthly remainder. )Tj 28.186 0 Td (Applicant's wife is not currently working. )Tj 16.927 0 Td (Since)Tj -45.112 -1.125 Td (the credit card debts were charged off by these creditors several years \ ago, she has had no intent to repay)Tj /Span<>> BDC ( )Tj EMC 42.177 0 Td (unless she)Tj -42.177 -1.125 Td (hears back from these three outstanding creditors that they consider the\ m current obligations. )Tj 37.544 0 Td (\(TR 30-31; 34-36; Exhibit)Tj -37.544 -1.125 Td (A\) )Tj (Applicant and his)Tj /Span<>> BDC ( )Tj EMC 8.609 0 Td (spouse have no new credit cards or new auto loans. )Tj 20.744 0 Td (They drive 1989 and 1990 cars. )Tj 12.913 0 Td (\(TR 36-37;)Tj -42.266 -1.125 Td (52\) )Tj (They have $10,000 in savings. \(TR 48-50; 68-69\))Tj 0 -2.125 TD (Applicant is now more involved in the family finances. )Tj 22.328 0 Td (\(TR 50-51\) He confirmed that they did not make any attempt to)Tj -22.328 -1.125 Td (resolve the debts to Creditors #2, #3, or)Tj /Span<>> BDC ( )Tj EMC 16.053 0 Td (#4 as they were written off as bad debts and these creditors made no fur\ ther)Tj -16.053 -1.125 Td (attempt to collect. )Tj 7.442 0 Td (If they had confirmation from the creditors that these were)Tj /Span<>> BDC ( )Tj EMC 23.658 0 Td (existing debts, they would withdraw)Tj -31.1 -1.125 Td (money from their savings to settle the debts. )Tj 17.969 0 Td (\(TR 67-69\))Tj /TT1 1 Tf 3.856 -2.125 Td (References)Tj /TT0 1 Tf -21.824 -2.125 Td (Applicant's functional supervisor who has known him for four years wrote\ a letter declaring that Applicant has)Tj 0 -1.125 TD ("excellent judgment and discretion." )Tj 14.84 0 Td (He)Tj /Span<>> BDC ( )Tj EMC (concluded Applicant demonstrates high personal ethics and is worthy of)Tj -14.84 -1.125 Td (complete trust. )Tj 6.193 0 Td (\(TR 62-63; Exhibit G\))Tj -6.193 -2.125 Td (The program manager for a multi-million dollar system has known Applican\ t for three years concluded Applicant's)Tj T* ("integrity, honesty and dedication have)Tj /Span<>> BDC ( )Tj EMC 15.904 0 Td (been outstanding." )Tj 7.712 0 Td (His trustworthiness is beyond reproach. )Tj 16.108 0 Td (This manager highly)Tj -39.725 -1.125 Td (recommended Applicant for a position of trust. )Tj 19.051 0 Td (\(TR 62-63; Exhibit G\))Tj /TT1 1 Tf 2.716 -2.125 Td (POLICIES)Tj ET 0.75 w q 1 0 0 1 277.1992 234 cm 0 0 m 57.352 0 l h S Q BT /TT0 1 Tf 12 0 0 12 16 209.25 Tm (Enclosure 2 of the Directive sets forth adjudicative guidelines to consi\ der in evaluating an individual's security)Tj T* (eligibility. )Tj 4.389 0 Td (They are divided into conditions that)Tj /Span<>> BDC ( )Tj EMC 14.997 0 Td (could raise a security concern and may be disqualifying and conditions)Tj -19.385 -1.125 Td (that could mitigate security concerns in deciding whether to grant or co\ ntinue an)Tj /Span<>> BDC ( )Tj EMC 32.462 0 Td (individual's access to classified)Tj -32.462 -1.125 Td (information. )Tj 5.221 0 Td (But the mere presence or absence of any given adjudication policy condit\ ion is not decisive.)Tj -5.221 -2.125 Td (Based on a consideration of the evidence as a whole in evaluating this c\ ase, I weighed relevant Adjudication Guidelines)Tj T* (as set forth below :)Tj /TT1 1 Tf 15.878 -2.125 Td (Guideline F - Financial Considerations)Tj -15.878 -2.125 Td (An individual who is financially overextended is at risk of having to en\ gage in illegal acts to generate funds.)Tj T* (Unexplained affluence is often linked to)Tj /Span<>> BDC ( )Tj EMC (proceeds from financially profitable criminal acts.)Tj ET q 10 36 592 730 re W n BT 12 0 0 12 16 39.75 Tm (Conditions that could raise a security concern and may be disqualifying \ include:)Tj ET EMC Q endstream endobj 14 0 obj <>/ProcSet[/PDF/Text]>>/StructParents 1/Type/Page>> endobj 52 0 obj [54 0 R 55 0 R] endobj 53 0 obj <>stream BT /Artifact <>BDC /TT0 1 Tf 9 0 0 9 5 779 Tm (02-23668.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/02-23668.h1.html)Tj 49.129 0 Td ([6/24/2021 11:05:09 AM])Tj EMC ET 1 g 10 36 591.75 729.75 re f /Article <>BDC EMC /Article <>BDC BT 0 g 12 0 0 12 16 751.5 Tm (After a complete and thorough review of the evidence in the record, and \ upon due consideration of that evidence, I)Tj 0 -1.125 TD (make the following additional findings of)Tj /Span<>> BDC ( )Tj EMC 16.886 0 Td (fact:)Tj -16.886 -2.125 Td (Applicant is a 52 year old employee of a defense contractor \(Employer #\ 1 in State #1\) where he has worked since June)Tj T* (1999. )Tj (Previously he worked for)Tj /Span<>> BDC ( )Tj EMC (Employer #2 from 1988 to 1999. )Tj 26.302 0 Td (In December 1999 he completed a Security Clearance)Tj -26.302 -1.125 Td (Application \(Standard Form 86\) and requested a clearance. )Tj 23.852 0 Td (He was)Tj /Span<>> BDC ( )Tj EMC (granted a secret clearance in June 1988 and again in)Tj -23.852 -1.125 Td (October 1999. )Tj (\(Exhibit 1\) )Tj 10.581 0 Td (He has never had a security violation or security incident. )Tj 23.298 0 Td (\(TR 32-33; 60-61;)Tj /Span<>> BDC ( )Tj EMC 7.583 0 Td (Exhibit H\))Tj -41.461 -2.125 Td (Applicant received a B.S. degree in December 1987 from a state universit\ y. )Tj 30.517 0 Td (His first marriage lasted from 1971 to 1976,)Tj -30.517 -1.125 Td (his second from 1977 to 1979, and his)Tj /Span<>> BDC ( )Tj EMC 15.526 0 Td (third from 1979 to 1981. )Tj 10.11 0 Td (He married his current wife in April 1983. )Tj 17.189 0 Td (She is fifty)Tj -42.826 -1.125 Td (years old. )Tj (He has one child born in 1990. \(Exhibit 1\))Tj /TT1 1 Tf 9.78 -2.125 Td (Financial Considerations, Personal Conduct and Criminal Conduct)Tj /TT0 1 Tf -9.78 -2.125 Td (Applicant disclosed no financial issues on his 1999 Standard Form 86 \(S\ F 86\). \(Exhibit 1\) Although he asked his wife)Tj T* (about their financial status, she failed to)Tj /Span<>> BDC ( )Tj EMC 16.217 0 Td (disclose any of her gambling debts to him. \(TR 38-39\) )Tj 22.024 0 Td (Since he was working)Tj -38.241 -1.125 Td (ten to twelve hours a day, he relied on his wife to manage their family \ finances. )Tj 32.101 0 Td (He had no intent to falsify his security)Tj -32.101 -1.125 Td (form. )Tj (\(TR 60-61\))Tj 0 -2.125 TD (In December 2000 Applicant was interviewed by the Defense Security Servi\ ce \(DSS\) and confronted with adverse)Tj 0 -1.375 TD (issues developed during the investigation. )Tj 16.997 0 Td (He explained his wife)Tj 0 0 0.933 rg 9.75 0 0 9.75 324.9297 490.5 Tm ( \(2\))Tj ET 0 0 0.933 RG 0.75 w q 1 0 0 1 324.9297 489.75 cm 0 0 m 13.806 0 l h S Q BT 0 g 12 0 0 12 338.7358 486 Tm ( "had a compulsive gambling disorder which resulted)Tj -26.895 -1.125 Td (in the loss of some family money and in the ability for us to pay certai\ n creditors)Tj /Span<>> BDC ( )Tj EMC 32.576 0 Td (in a timely fashion." )Tj 8.379 0 Td (He relied on his)Tj -40.955 -1.125 Td (wife who always handled all family finances and misled him that she was \ making arrangements with creditors for)Tj 0 -1.125 TD (repayments. )Tj 5.109 0 Td (He took "her word for that." \(Exhibits 3, 4, 5; TR 65-66\) )Tj 22.896 0 Td (On his 2000 Personal Financial Statement he)Tj -28.005 -1.125 Td (reported monthly net income of almost)Tj /Span<>> BDC ( )Tj EMC 15.83 0 Td ($5,000 and monthly expenses of only $1,320 plus $2,6000 monthly to repay\ )Tj -15.83 -1.125 Td (debts, including the mortgage and $1,000 each month to repay a family lo\ an she)Tj /Span<>> BDC ( )Tj EMC 32.325 0 Td (had taken to resolve her gambling)Tj -32.325 -1.125 Td (debts. )Tj (They had a $854 monthly remainder. )Tj 17.69 0 Td (\(Exhibit 3\))Tj -17.69 -2.125 Td (Applicant's wife testified that she started going to a new casino near h\ er home as entertainment in 1996. )Tj 41.807 0 Td (She started)Tj -41.807 -1.125 Td (going more and losing, so she then bet)Tj /Span<>> BDC ( )Tj EMC 15.637 0 Td (with larger denominations and began to spiral downward. )Tj 23.3 0 Td (She took cash)Tj -38.937 -1.125 Td (advances from their credit cards in 1998 and kept these debts from her h\ usband as she)Tj /Span<>> BDC ( )Tj EMC 34.656 0 Td (had always handled the finances.)Tj -34.656 -1.125 Td (She even secretly borrowed money from a family member in 1998 to resolve\ the debts. )Tj 35.101 0 Td (In 1999 she borrowed more)Tj -35.101 -1.125 Td (from the)Tj /Span<>> BDC ( )Tj EMC 3.666 0 Td (family member and started to pay off some creditors. )Tj 21.493 0 Td (Others like Creditor #5 offered settlements, and three)Tj -25.159 -1.125 Td (creditors \(Creditors #2, #3, and #4\) wrote the)Tj /Span<>> BDC ( )Tj EMC 18.329 0 Td (amount off the balance as a bad debt. )Tj 15.133 0 Td (After she borrowed money from)Tj -33.461 -1.125 Td (relatives, she got laid off form her job which reduced their income. )Tj 27.046 0 Td (When he completed)Tj /Span<>> BDC ( )Tj EMC 8.247 0 Td (his security form in 1999, he)Tj -35.293 -1.375 Td (asked her about any debts and she failed)Tj 0 0 0.933 rg 9.75 0 0 9.75 209.5996 286.5 Tm ( \(3\))Tj ET q 1 0 0 1 209.5996 285.75 cm 0 0 m 13.806 0 l h S Q BT 0 g 12 0 0 12 223.4058 282 Tm ( to reveal any of their financial problems. )Tj 16.799 0 Td (She did not tell him she borrowed)Tj -34.083 -1.125 Td (money)Tj /Span<>> BDC ( )Tj EMC (from his sister's husband. While she went to a Gamblers Anonymous \(GA\)\ meetings in November 1999, she)Tj T* (decided she was not like "these people." So she)Tj /Span<>> BDC ( )Tj EMC 19.201 0 Td (borrowed money again and began to gamble again. )Tj 20.687 0 Td (She then returned to)Tj -39.888 -1.125 Td (GA in February 2000, but she did not disclose her attendance to her husb\ and. )Tj 31.16 0 Td (Later in)Tj /Span<>> BDC ( )Tj EMC 3.387 0 Td (2000 she had herself banned from)Tj -34.547 -1.125 Td (the casino to prevent herself from going back. )Tj 18.633 0 Td (She borrowed a total of $50,000 from a family member, but is repaying)Tj -18.633 -1.125 Td (him)Tj /Span<>> BDC ( )Tj EMC (at the rate of $1,000 per month; they have repaid him consistently and n\ ow owe approximately $36,000. )Tj 43.74 0 Td (\(Exhibit I;)Tj -43.74 -1.125 Td (TR 24-26; TR 37-43; TR 53-55\))Tj 0 -2.125 TD (Applicant's wife shredded the bills from creditors, so has no records fr\ om that period. )Tj 34.449 0 Td (\(TR 28\) )Tj (She went to Consumer)Tj -34.449 -1.125 Td (Credit Counseling \(CCC\) in 1998 to pay)Tj /Span<>> BDC ( )Tj EMC 16.472 0 Td (off other debts, but did not include Creditors #2, #3, or #4 as they had\ charged)Tj -16.472 -1.125 Td (off the debts. \(TR 48; 55-57\) She no longer attends GA meetings but ha\ s not)Tj /Span<>> BDC ( )Tj EMC 30.884 0 Td (gambled since 2000. )Tj 8.498 0 Td (\(TR 51; 58-59\) )Tj (In)Tj -39.382 -1.125 Td (2002 she took a job as a cashier in the same casino where she had previo\ usly had herself banned; she no longer works)Tj 0 -1.125 TD (there. )Tj 2.499 0 Td (\(TR 58-59\))Tj -2.499 -2.125 Td (In answer to DOHA Interrogatories in April 2003 Applicant reported the s\ tatus of his debts to five creditors:)Tj 0 -2.125 TD (He stated that the $827 debt to Creditor #1 was accrued when he closed a\ checking account with another bank, acquired)Tj 0 -1.125 TD (by Creditor #1. )Tj 6.333 0 Td (Applicant stated )Tj 6.776 0 Td (he)Tj /Span<>> BDC ( )Tj EMC (planned to pay the amount to Creditor #1. )Tj 18.163 0 Td (Applicant paid the debt in December 2003)Tj -31.271 -1.125 Td (by money order. \(SOR 1.a.\) \(Exhibits 2, 4\) \(TR 27-28; 44-45; Exhibi\ t C\))Tj ET EMC endstream endobj 54 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[324.0 488.0 338.0 499.0]/Subtype/Link/Type/Annot>> endobj 55 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[210.0 284.0 224.0 295.0]/Subtype/Link/Type/Annot>> endobj 12 0 obj <> endobj 56 0 obj <> endobj 9 0 obj <> endobj 10 0 obj <> endobj 11 0 obj <> endobj 62 0 obj (file:///usr.osd.mil/Home/OSD/OGC/JosephLM/_MyComputer/Desktop/DOHA%20transfer/DOHA-Kane/dodogc/doha/industrial/Archived%20-%20HTML/02-23668.h1.html) endobj 61 0 obj <> endobj 63 0 obj <> endobj 57 0 obj [18 0 R/XYZ 0 420.0 null] endobj 58 0 obj [18 0 R/XYZ 0 381.0 null] endobj 59 0 obj [18 0 R/XYZ 0 342.0 null] endobj 60 0 obj [18 0 R/XYZ 0 303.0 null] endobj 4 0 obj <> endobj xref 0 64 0000000000 65535 f 0000000016 00000 n 0000000141 00000 n 0000003658 00000 n 0000156668 00000 n 0000003536 00000 n 0000003591 00000 n 0000003745 00000 n 0000003772 00000 n 0000155897 00000 n 0000156041 00000 n 0000156083 00000 n 0000155707 00000 n 0000004610 00000 n 0000146435 00000 n 0000139285 00000 n 0000135142 00000 n 0000126720 00000 n 0000122576 00000 n 0000003875 00000 n 0000003921 00000 n 0000003970 00000 n 0000004243 00000 n 0000004051 00000 n 0000004083 00000 n 0000004115 00000 n 0000004147 00000 n 0000004179 00000 n 0000004211 00000 n 0000004835 00000 n 0000004860 00000 n 0000010550 00000 n 0000010599 00000 n 0000010635 00000 n 0000011145 00000 n 0000011616 00000 n 0000122251 00000 n 0000069185 00000 n 0000069452 00000 n 0000030742 00000 n 0000031015 00000 n 0000011985 00000 n 0000012266 00000 n 0000012592 00000 n 0000031554 00000 n 0000070068 00000 n 0000122776 00000 n 0000126934 00000 n 0000126959 00000 n 0000134817 00000 n 0000135342 00000 n 0000139485 00000 n 0000146649 00000 n 0000146681 00000 n 0000155057 00000 n 0000155382 00000 n 0000155792 00000 n 0000156500 00000 n 0000156542 00000 n 0000156584 00000 n 0000156626 00000 n 0000156291 00000 n 0000156125 00000 n 0000156447 00000 n trailer <]>> startxref 156841 %%EOF