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NŐO ^k݊.B@K\Skm]N!Rvr( \̅n8ۉc56W N!&E6k<}y| c4{2z1X7XEm|7>&`ԆdhϐA#~VnS-ZLeo6M1|]\q_l~AF0 h'U3oM%X.͏ZG`Ժ'jFuQkiZur\ [㟪jvil)aPXWF'> V] ek||vc-U6>ƙiPHvoGy!4320[@YY@ 5 ^0~Ql*g2?j7Y)ƏIAWۭN,_g !TR2eM~h/?i4PȔC:b>B7>]00:g|~.Ql'ry.Q[,?.`x, 'KkVFA1Į"s|nMYMj_m~ 6Jɖk#_9W6]s_AOAgYqX`KL` ,x "Ѥ11^cG?xwbCh3s=7? 5s@~ By'́PzЪ mh Aq膧46` KU QtKa=@ fynlYImbj̈́UOLANsn.)$d2H< ΍(yLU%?= |ȇ d^wX b8z9=G/Ǵ3i;X4q^i1x6w)GxϷyQd "-ɀp,}8 ]\VThy_ =yy gݭr Ę'KE\q^I&PVS(ibp gZo~y?د.#^0h~k{g 4A>TKjDnD&~0vݩ endstream endobj 18 0 obj <>/ProcSet[/PDF/Text]>>/StructParents 5/Type/Page>> endobj 47 0 obj <>stream BT /Artifact <>BDC /TT0 1 Tf 9 0 0 9 5 5 Tm (file:///usr.osd.mil/)Tj 7.166 0 Td (...)Tj (Computer/Desktop/DOHA%20transfer/DOHA-Kane/dodogc/doha/industrial/Archiv\ ed%20-%20HTML/03-06760.h1.htm)Tj 49.519 0 Td ([6/24/2021 3:13:33 PM])Tj EMC ET 0.753 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 (the state tax debt is being actively pursued for collection, and she is \ making monthly payments to the state. Finally,)Tj ET Q BT 0 g 12 0 0 12 16 741.75 Tm (Applicant receives)Tj /Span<>> BDC ( )Tj EMC 7.719 0 Td (substantial credit for her many years of employment with the federal gov\ ernment holding a security)Tj -7.719 -1.125 Td (clearance without a negative incident or problem. Viewing)Tj /Span<>> BDC ( )Tj EMC 23.741 0 Td (the record evidence as a whole, I conclude Applicant is not)Tj -23.741 -1.125 Td (at risk of engaging illegal or unethical acts to meet her financial obli\ gations.)Tj 0 -5.375 TD (To conclude, Applicant has met her ultimate burden of persuasion to obta\ in a favorable clearance decision. )Tj 43.04 0 Td (In reaching)Tj -43.04 -1.125 Td (my decision, I considered the evidence)Tj /Span<>> BDC ( )Tj EMC 15.8 0 Td (as a whole, both favorable and unfavorable, the whole-person concept, th\ e)Tj -15.8 -1.125 Td (clearly-consistent standard, and other appropriate factors and guideline\ s in the)Tj /Span<>> BDC ( )Tj EMC 31.517 0 Td (Directive.)Tj /TT1 1 Tf -12.152 -7.625 Td (FORMAL FINDINGS)Tj ET 0.75 w q 1 0 0 1 248.374 531 cm 0 0 m 115.002 0 l h S Q BT /TT0 1 Tf 12 0 0 12 16 467.25 Tm (The following are my conclusions as to each allegation in the SOR:)Tj T* (SOR \266 1-Guideline F: )Tj (For Applicant)Tj 0 -2.125 TD (Subparagraphs a - h: )Tj (For Applicant)Tj /TT1 1 Tf 21.683 -8.625 Td (DECISION)Tj /TT0 1 Tf -21.683 -5.375 Td (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 (Applicant. Clearance is granted.)Tj 3.486 -9.875 Td (Michael H. Leonard)Tj -0.251 -2.125 Td (Administrative Judge)Tj ET EMC endstream endobj 17 0 obj <>/ProcSet[/PDF/Text]>>/StructParents 4/Type/Page>> endobj 48 0 obj [50 0 R 51 0 R 52 0 R 53 0 R 54 0 R 55 0 R 56 0 R 57 0 R 58 0 R 59 0 R 60 0 R] endobj 49 0 obj <>stream BT /Artifact <>BDC /TT0 1 Tf 9 0 0 9 5 5 Tm (file:///usr.osd.mil/)Tj 7.166 0 Td (...)Tj (Computer/Desktop/DOHA%20transfer/DOHA-Kane/dodogc/doha/industrial/Archiv\ ed%20-%20HTML/03-06760.h1.htm)Tj 49.519 0 Td ([6/24/2021 3:13:33 PM])Tj EMC ET 0.753 g 10 36 591.75 729.75 re f /Article <>BDC EMC /Article <>BDC BT 0 g 12 0 0 12 16 752.25 Tm (The only purpose of a security-clearance decision is to decide if it is \ clearly consistent with the national interest to grant)Tj 0 -1.375 TD (or continue a security clearance for an)Tj /Span<>> BDC ( )Tj EMC 15.52 0 Td (applicant.)Tj 0 0 1 rg 9.75 0 0 9.75 249.2148 740.25 Tm ( \(3\))Tj ET 0 0 1 RG 0.75 w q 1 0 0 1 249.2148 739.5 cm 0 0 m 13.806 0 l h S Q BT 0 g 12 0 0 12 263.021 735.75 Tm ( There is no presumption in favor of granting or continuing access to)Tj -20.585 -1.375 Td (classified information.)Tj 0 0 1 rg 9.75 0 0 9.75 123.9707 723.75 Tm ( \(4\))Tj ET q 1 0 0 1 123.9707 723 cm 0 0 m 13.806 0 l h S Q BT 0 g 12 0 0 12 137.7769 719.25 Tm ( The government has the burden of proving controverted)Tj /Span<>> BDC ( )Tj EMC 22.91 0 Td (facts.)Tj 0 0 1 rg 9.75 0 0 9.75 438.3452 723.75 Tm ( \(5\))Tj ET q 1 0 0 1 438.3452 723 cm 0 0 m 13.806 0 l h S Q BT 0 g 12 0 0 12 452.1514 719.25 Tm ( The U.S. Supreme Court has)Tj -36.346 -1.375 Td (said the burden of proof )Tj 9.858 0 Td (in a security-clearance case is less than the preponderance of the evide\ nce.)Tj 0 0 1 rg 9.75 0 0 9.75 492.1211 707.25 Tm ( \(6\))Tj ET q 1 0 0 1 492.1211 706.5 cm 0 0 m 13.806 0 l h S Q BT 0 g 12 0 0 12 505.9272 702.75 Tm ( The DOHA)Tj -40.827 -1.375 Td (Appeal)Tj /Span<>> BDC ( )Tj EMC (Board has followed the Court's reasoning on this issue establishing a su\ bstantial-evidence standard.)Tj 0 0 1 rg 9.75 0 0 9.75 530.7168 690.75 Tm ( \(7\))Tj ET q 1 0 0 1 530.7168 690 cm 0 0 m 13.806 0 l h S Q BT 0 g 12 0 0 12 16 669.75 Tm ("Substantial evidence is more than a scintilla, but less than)Tj /Span<>> BDC ( )Tj EMC 23.708 0 Td (a preponderance of the evidence.")Tj 0 0 1 rg 9.75 0 0 9.75 463.6445 674.25 Tm ( \(8\))Tj ET q 1 0 0 1 463.6445 673.5 cm 0 0 m 13.806 0 l h S Q BT 0 g 12 0 0 12 477.4507 669.75 Tm ( Once the government)Tj -38.454 -1.125 Td (meets its burden, an applicant has the burden of presenting evidence of \ refutation, extenuation, or)Tj /Span<>> BDC ( )Tj EMC 39.265 0 Td (mitigation sufficient)Tj -39.265 -1.375 Td (to overcome the case against him.)Tj 0 0 1 rg 9.75 0 0 9.75 178.6094 644.25 Tm ( \(9\))Tj ET q 1 0 0 1 178.6094 643.5 cm 0 0 m 13.806 0 l h S Q BT 0 g 12 0 0 12 192.4155 639.75 Tm ( In addition, an applicant has the ultimate burden of persuasion to obta\ in a)Tj -14.701 -1.375 Td (favorable clearance)Tj /Span<>> BDC ( )Tj EMC 8.049 0 Td (decision.)Tj 0 0 1 rg 9.75 0 0 9.75 155.582 627.75 Tm ( \(10\))Tj ET q 1 0 0 1 155.582 627 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 16 558.75 Tm (As noted by the Court in )Tj /TT1 1 Tf 10.11 0 Td (Egan)Tj /TT0 1 Tf (, "it should be obvious that no one has a 'right' to a security clearanc\ e," and "the clearly)Tj -10.11 -1.375 Td (consistent standard indicates that)Tj /Span<>> BDC ( )Tj EMC 13.441 0 Td (security clearance determinations should err, if they must, on the side \ of denials.")Tj 0 0 1 rg 9.75 0 0 9.75 568.4043 546.75 Tm ( \(11\))Tj ET q 1 0 0 1 568.4043 546 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 16 528.75 Tm (Under )Tj /TT1 1 Tf (Egan, )Tj /TT0 1 Tf (Executive Order 10865, and the Directive, any doubt about)Tj /Span<>> BDC ( )Tj EMC 29.269 0 Td (whether an applicant should be allowed access)Tj -29.269 -1.125 Td (to classified information will be resolved in favor of protecting nation\ al security.)Tj /TT2 1 Tf 20.489 -7.625 Td (CONCLUSIONS)Tj /TT0 1 Tf -20.489 -5.375 Td (Under Guideline F, a security concern typically exists for two different\ types of situations--significant unpaid debts or)Tj 0 -1.125 TD (unexplained affluence. An individual)Tj /Span<>> BDC ( )Tj EMC 15.134 0 Td (who is financially overextended is at risk of having to engage in illega\ l or)Tj -15.134 -1.125 Td (unethical acts to generate funds to meet financial obligations. Similarl\ y, an individual)Tj /Span<>> BDC ( )Tj EMC 34.491 0 Td (who is financially irresponsible)Tj -34.491 -1.125 Td (may also be irresponsible, unconcerned, negligent, or careless in proper\ ly handling and safeguarding classified)Tj T* (information.)Tj 0 -5.375 TD (Here, based on the record evidence as a whole, the government establishe\ d its case under Guideline F. The record)Tj 0 -1.125 TD (evidence, taken as a whole, demonstrates a)Tj /Span<>> BDC ( )Tj EMC 17.41 0 Td (history of not meeting financial obligations as well as inability or)Tj -17.41 -1.375 Td (unwillingness to pay one's just debts.)Tj 0 0 1 rg 9.75 0 0 9.75 194.1543 215.25 Tm ( \(12\))Tj ET q 1 0 0 1 194.1543 214.5 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 212.8354 210.75 Tm ( These matters raise a security concern under the)Tj /Span<>> BDC ( )Tj EMC 19.741 0 Td (guideline.)Tj -36.144 -5.375 Td (I reviewed the mitigating conditions under the guideline and conclude Ap\ plicant successfully explained and mitigated)Tj 0 -1.375 TD (the security concern. Applicant's financial problems were largely beyond\ her control,)Tj 0 0 1 rg 9.75 0 0 9.75 424.6797 134.25 Tm ( \(13\))Tj ET q 1 0 0 1 424.6797 133.5 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 443.3608 129.75 Tm ( as evidenced by her husband's)Tj -35.613 -1.125 Td (prolonged illness starting in about 1990 and ending with his demise in)Tj /Span<>> BDC ( )Tj EMC 28.33 0 Td (1995 or 1996. Applicant's financial situation was)Tj -28.33 -1.125 Td (stable until her husband's prolonged illness. Also, I was impressed with\ her demeanor and serious attitude she)Tj /Span<>> BDC ( )Tj EMC 44.144 0 Td (displayed)Tj -44.144 -1.125 Td (during the hearing, and I conclude her financial problems did not result\ from high living or financially irresponsible)Tj 0 -1.125 TD (behavior. In reaching this)Tj /Span<>> BDC ( )Tj EMC 10.469 0 Td (conclusion, I considered that Applicant is 82 years old and living on a \ fixed income, other)Tj -10.469 -1.125 Td (than what she earns when working part-time. This circumstance)Tj /Span<>> BDC ( )Tj EMC 25.825 0 Td (limits her ability to repay old, charged off debt after she)Tj -25.825 -1.125 Td (has paid for her normal living expenses. In addition, Applicant's total \ delinquent debt is less than)Tj /Span<>> BDC ( )Tj EMC 39.005 0 Td ($15,000, of which only)Tj ET EMC endstream endobj 50 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[249.0 738.0 263.0 749.0]/Subtype/Link/Type/Annot>> endobj 51 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[123.0 721.0 137.0 732.0]/Subtype/Link/Type/Annot>> endobj 52 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[438.0 721.0 452.0 732.0]/Subtype/Link/Type/Annot>> endobj 53 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[492.0 705.0 506.0 716.0]/Subtype/Link/Type/Annot>> endobj 54 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[531.0 688.0 545.0 699.0]/Subtype/Link/Type/Annot>> endobj 55 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[463.0 672.0 477.0 683.0]/Subtype/Link/Type/Annot>> endobj 56 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[178.0 642.0 192.0 653.0]/Subtype/Link/Type/Annot>> endobj 57 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[156.0 625.0 174.0 636.0]/Subtype/Link/Type/Annot>> endobj 58 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[568.0 544.0 586.0 555.0]/Subtype/Link/Type/Annot>> endobj 59 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[194.0 213.0 212.0 224.0]/Subtype/Link/Type/Annot>> endobj 60 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[424.0 132.0 442.0 143.0]/Subtype/Link/Type/Annot>> endobj 16 0 obj <>/ProcSet[/PDF/Text]>>/StructParents 3/Type/Page>> endobj 61 0 obj [63 0 R] endobj 62 0 obj <>stream BT /Artifact <>BDC /TT0 1 Tf 9 0 0 9 5 5 Tm (file:///usr.osd.mil/)Tj 7.166 0 Td (...)Tj (Computer/Desktop/DOHA%20transfer/DOHA-Kane/dodogc/doha/industrial/Archiv\ ed%20-%20HTML/03-06760.h1.htm)Tj 49.519 0 Td ([6/24/2021 3:13:33 PM])Tj EMC ET 0.753 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 16 756 Tm (about September 1998, the same time she)Tj /Span<>> BDC ( )Tj EMC 16.885 0 Td (was experiencing her financial problems.)Tj ET Q BT 0 g 12 0 0 12 16 691.5 Tm (Applicant is indebted for a charged off bad debt for $7,168 stemming fro\ m a car loan. The car was a lemon. It was)Tj 0 -1.125 TD (charged off in about September 1999, the)Tj /Span<>> BDC ( )Tj EMC 16.828 0 Td (same time she was experiencing her financial problems.)Tj -16.828 -5.375 Td (As a retired federal employee, Applicant receives a retirement annuity w\ ith a net monthly payment of $1,989.59. She's)Tj T* (also entitled to receive money from her)Tj /Span<>> BDC ( )Tj EMC 15.966 0 Td (husband's retirement annuity with a net monthly payment of $1,134.00. Sh\ e)Tj -15.966 -1.125 Td (works no more than 32-hours per week for a hourly wage.)Tj 0 -5.375 TD (Also contributing to Applicant's financial problems are her two adult, n\ e'er-do-well sons who have taken advantage of)Tj 0 -1.125 TD (their mother, including living with her)Tj /Span<>> BDC ( )Tj EMC 15.581 0 Td (without making any financial contribution. One son, who is HIV positive \ and a)Tj -15.581 -1.125 Td (problem drinker, has physically abused Applicant. )Tj 20.384 0 Td (In addition, Applicant)Tj /Span<>> BDC ( )Tj EMC 9.054 0 Td (experienced a period of unemployment from)Tj -29.437 -1.125 Td (October 2000 to March 2001.)Tj /TT1 1 Tf 21.767 -5.375 Td (POLICIES)Tj ET 0.75 w q 1 0 0 1 277.1992 416.25 cm 0 0 m 57.352 0 l h S Q BT /TT0 1 Tf 12 0 0 12 16 352.5 Tm (The Directive sets forth adjudicative guidelines to consider when evalua\ ting a person's security-clearance eligibility,)Tj T* (including disqualifying conditions \(DC\))Tj /Span<>> BDC ( )Tj EMC 16.276 0 Td (and mitigating conditions \(MC\) for each applicable guideline. In addit\ ion, each)Tj -16.276 -1.125 Td (clearance decision must be a fair and impartial commonsense decision bas\ ed on)Tj /Span<>> BDC ( )Tj EMC 32.155 0 Td (the relevant and material facts and)Tj -32.155 -1.125 Td (circumstances, the whole-person concept, and the factors listed in \266 \ 6.3.1 through \266 6.3.6 of the Directive. Although the)Tj T* (presence or absence of a particular condition or factor for or against c\ learance is not outcome determinative, the)Tj T* (adjudicative guidelines should be followed)Tj /Span<>> BDC ( )Tj EMC 17.413 0 Td (whenever a case can be measured against this policy guidance.)Tj -17.413 -5.375 Td (A person granted access to classified information enters into a special \ relationship with the government. The)Tj T* (government must be able to have a high degree of)Tj /Span<>> BDC ( )Tj EMC 20.215 0 Td (trust and confidence in those persons to whom it grants access to)Tj -20.215 -1.125 Td (classified information. The decision to deny a person a security)Tj 0 -2.375 TD (clearance is not a determination of an applicant's loyalty.)Tj 0 0 1 rg 9.75 0 0 9.75 289.0586 169.5 Tm ( \(2\))Tj ET 0 0 1 RG q 1 0 0 1 289.0586 168.75 cm 0 0 m 13.806 0 l h S Q BT 0 g 12 0 0 12 302.8647 165 Tm ( Instead, it is a determination that the applicant has not met)Tj -23.905 -1.125 Td (the strict guidelines the President has)Tj /Span<>> BDC ( )Tj EMC 15.108 0 Td (established for granting a clearance.)Tj /TT1 1 Tf 4.243 -5.375 Td (BURDEN OF PROOF)Tj ET EMC endstream endobj 63 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[289.0 167.0 303.0 178.0]/Subtype/Link/Type/Annot>> endobj 15 0 obj <>/ProcSet[/PDF/Text]>>/StructParents 2/Type/Page>> endobj 64 0 obj <>stream BT /Artifact <>BDC /TT0 1 Tf 9 0 0 9 5 5 Tm (file:///usr.osd.mil/)Tj 7.166 0 Td (...)Tj (Computer/Desktop/DOHA%20transfer/DOHA-Kane/dodogc/doha/industrial/Archiv\ ed%20-%20HTML/03-06760.h1.htm)Tj 49.519 0 Td ([6/24/2021 3:13:33 PM])Tj EMC ET 0.753 g 10 36 591.75 729.75 re f /Article <>BDC EMC /Article <>BDC BT 0 g 12 0 0 12 16 734.25 Tm (Applicant is an 82-year-old widow who is seeking to retain a security cl\ earance she has held for decades. From)Tj 0 -1.125 TD (November 1962 to November 1990, Applicant)Tj /Span<>> BDC ( )Tj EMC 18.913 0 Td (worked as a civil servant for the federal government. She held a securit\ y)Tj -18.913 -1.125 Td (clearance for most of her federal employment.)Tj 0 -5.375 TD (She retired in 1990, but she resumed her employment in March 1991 as a c\ ontractor at her former place of employment.)Tj 0 -1.125 TD (She went back to work to generate)Tj /Span<>> BDC ( )Tj EMC 14.079 0 Td (some addition income due to her husband's illness \(diabetes\). Her husb\ and's)Tj -14.079 -1.125 Td (condition grew progressively worse \(he went blind in 1992\) and progres\ sively)Tj /Span<>> BDC ( )Tj EMC 31.521 0 Td (generated more out-of-the-pocket)Tj -31.521 -1.125 Td (expenses not covered by health insurance. Applicant's husband passed awa\ y in 1995 or 1996.)Tj 0 -5.375 TD (Before her husband's illness, Applicant's financial situation was stable\ . In January 1994, in an effort to address her)Tj 0 -1.125 TD (financial troubles, Applicant filed a Chapter 13 bankruptcy petition \(S\ OR \2661.h\), which is sometimes called a wage)Tj T* (earner repayment plan \(Exhibit 11\). Applicant paid about $5,083 under \ the plan, but was)Tj /Span<>> BDC ( )Tj EMC 35.74 0 Td (unable to make all payments)Tj -35.74 -1.125 Td (called for by the plan. The court dismissed the case in May 1995.)Tj 0 -5.375 TD (Applicant took a new loan on her home in October 1997. In 1999 she got b\ ehind on her monthly mortgage payments.)Tj 0 -1.125 TD (This delinquency led her to file a Chapter)Tj /Span<>> BDC ( )Tj EMC 16.883 0 Td (13 bankruptcy petition \(SOR \266 1.g\) in November 1999 \(Exhibit 12\).\ Her total)Tj -16.883 -1.125 Td (liabilities were $153,735.28, of which the home loan was $135,697.72.)Tj /Span<>> BDC ( )Tj EMC 28.662 0 Td (Subsequently, in October 2001, the court denied)Tj -28.662 -1.125 Td (Applicant's proposed Chapter 13 plan, and in November 2001, the court di\ smissed the case.)Tj 0 -5.375 TD (Foreclosure action \(SOR \266 1.e\) followed the dismissal of the bankru\ ptcy case. According to the loan history \(Exhibit)Tj 0 -1.125 TD (14\), the foreclosure concluded in August)Tj /Span<>> BDC ( )Tj EMC 16.579 0 Td (2002 and there is no balance due.)Tj -16.579 -5.375 Td (Applicant was sold a high-end vacuum cleaner in approximately 1996 or 19\ 97. The purchase )Tj 37.461 0 Td (was made through a)Tj -37.461 -1.125 Td (financing company. In December 1998, the)Tj /Span<>> BDC ( )Tj EMC 17.605 0 Td (company filed a lawsuit against Applicant seeking payment on the)Tj -17.605 -1.125 Td (installment contract \(Exhibit 13\). In March 1999, Applicant agreed to \ a consent judgment for)Tj /Span<>> BDC ( )Tj EMC 37.545 0 Td ($1,451.36 \(the amount)Tj -37.545 -1.125 Td (alleged in \266 1.a\), plus attorney fees of $217.70 and costs of $70.00\ , for a total of $1,739.06 \(the amount alleged in \266 1.b\).)Tj T* (It appears this)Tj /Span<>> BDC ( )Tj EMC 5.859 0 Td (judgment has not yet been satisfied.)Tj -5.859 -5.375 Td (Applicant is indebted to a state tax authority money for unpaid taxes in\ the amount of about $2,400 \(SOR \266 1.f\).)Tj T* (Applicant entered into an installment payment)Tj /Span<>> BDC ( )Tj EMC 18.772 0 Td (plan with the state agreeing to pay $100 monthly. She is making)Tj -18.772 -1.125 Td (payments as agreed.)Tj ET q 10 36 592 730 re W n BT 12 0 0 12 16 39.75 Tm (Applicant is indebted for a charged off bad debt for $1,545 stemming fro\ m a credit card account. It was charged off in)Tj ET EMC Q endstream endobj 14 0 obj <>/ProcSet[/PDF/Text]>>/StructParents 1/Type/Page>> endobj 65 0 obj [67 0 R] endobj 66 0 obj <>stream BT /Artifact <>BDC /TT0 1 Tf 9 0 0 9 5 5 Tm (file:///usr.osd.mil/)Tj 7.166 0 Td (...)Tj (Computer/Desktop/DOHA%20transfer/DOHA-Kane/dodogc/doha/industrial/Archiv\ ed%20-%20HTML/03-06760.h1.htm)Tj 49.519 0 Td ([6/24/2021 3:13:33 PM])Tj EMC ET 0.753 g 10 36 591.75 729.75 re f /Article <>BDC EMC /Article <>BDC BT 0 g /TT1 1 Tf 11.25 0 0 11.25 259.7819 723.75 Tm (FOR APPLICANT)Tj /TT2 1 Tf 2.75 -2.2 Td (Pro Se)Tj /TT1 1 Tf 12 0 0 12 276.5312 607.5 Tm (SYNOPSIS)Tj ET 0.75 w q 1 0 0 1 276.5312 606.75 cm 0 0 m 58.688 0 l h S Q BT /TT0 1 Tf 12 0 0 12 16 543 Tm (Applicant, an 82-year-old widow, has experienced financial problems larg\ ely beyond her control. Clearance is granted.)Tj /TT1 1 Tf 17.558 -7.625 Td (STATEMENT OF THE CASE)Tj /TT0 1 Tf -17.558 -5.375 Td (On July 7, 2004, the Defense Office of Hearings and Appeals \(DOHA\) iss\ ued to Applicant a Statement of Reasons)Tj 0 -1.375 TD (\(SOR\) stating the reasons why DOHA)Tj /Span<>> BDC ( )Tj EMC (proposed to deny or revoke access to classified information for Applican\ t.)Tj 0 0 1 rg 9.75 0 0 9.75 558.8711 375 Tm ( \(1\))Tj ET 0 0 1 RG q 1 0 0 1 558.8711 374.25 cm 0 0 m 13.806 0 l h S Q BT 0 g 12 0 0 12 572.6772 370.5 Tm ( The)Tj -46.39 -1.125 Td (SOR, which is in essence the administrative complaint, alleged a securit\ y)Tj /Span<>> BDC ( )Tj EMC 29.576 0 Td (concern under Guideline F for financial)Tj -29.576 -1.125 Td (considerations. Applicant replied to the SOR on August 11, 2004. Her ans\ wers were mixed, admitting in part and)Tj 0 -1.125 TD (denying in part the SOR allegations, and she requested a hearing.)Tj 0 -5.375 TD (Department Counsel indicated she was ready to proceed on June 21, 2005, \ and the case was assigned to me June 27,)Tj 0 -1.125 TD (2005. Thereafter, a notice of hearing was)Tj /Span<>> BDC ( )Tj EMC 16.687 0 Td (issued scheduling the hearing for September 14, 2005. Applicant appeared\ )Tj -16.687 -1.125 Td (without counsel and the hearing took place as scheduled. DOHA received t\ he)Tj /Span<>> BDC ( )Tj EMC 31.24 0 Td (transcript September 27, 2005.)Tj /TT1 1 Tf -11.834 -7.625 Td (FINDINGS OF FACT)Tj /TT0 1 Tf -19.406 -5.375 Td (Applicant's admissions to the SOR allegations are incorporated herein. 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