%PDF-1.6 % 1 0 obj <> endobj 2 0 obj <>stream 2021-06-24T15:25:29-04:00 2021-06-24T15:25:28-04:00 2021-06-24T15:25:29-04:00 Adobe Acrobat 17.0 application/pdf file:///usr.osd.mil/Home/OSD/OGC/JosephLM/_MyComputer/Desktop/DOHA%20transfer/DOHA-Kane/dodogc/doha/industrial/Archived%20-%20HTML/03-16639.h1.htm uuid:eb872072-f7a0-4dc1-9a67-20501570d8ac uuid:f168f12e-bc06-4642-8b2c-294b47954f56 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 22 0 obj <>>> endobj 23 0 obj <> endobj 24 0 obj <> endobj 26 0 obj [25 0 R 25 0 R] endobj 27 0 obj [25 0 R 25 0 R] endobj 28 0 obj [25 0 R 25 0 R] endobj 29 0 obj [25 0 R 25 0 R] endobj 30 0 obj [25 0 R 25 0 R] endobj 31 0 obj [25 0 R 25 0 R] endobj 32 0 obj [25 0 R 25 0 R] endobj 33 0 obj [25 0 R 25 0 R] endobj 34 0 obj [25 0 R 25 0 R] endobj 25 0 obj <><><><><><><><><><><><><><><><>]/P 23 0 R/Pg 13 0 R/S/Article>> endobj 13 0 obj <>/ProcSet[/PDF/Text]>>/StructParents 0/Type/Page>> endobj 35 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/03-16639.h1.htm)Tj 49.519 0 Td ([6/24/2021 3:25:29 PM])Tj EMC ET 0.753 g 10 36 591.75 729.75 re f 0.604 g q 1 0 0 1 16.0002 603.7497 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 603 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 602.2503 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 603 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 396.7497 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 396 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 395.2503 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 396 cm 0 0 m 0.75 -0.75 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 (KEYWORD: Financial; Personal Conduct)Tj 0 -2.125 TD (DIGEST: Applicant is a 48-year-old truck driver who has worked for a fed\ eral contractor for eight years. Applicant has)Tj 0 -1.125 TD (over $13,000 in delinquent debt dating)Tj /Span<>> BDC ( )Tj EMC 15.747 0 Td (back to 1997. Applicant does not have a budget, plan, means or resolve t\ o pay)Tj -15.747 -1.125 Td (back her debt. Applicant admittedly lied on her Security Clearance Quest\ ionnaire)Tj /Span<>> BDC ( )Tj EMC 32.822 0 Td (because she thought she could get)Tj -32.822 -1.125 Td (away with it. Applicant failed to mitigate the security concerns regardi\ ng financial considerations and personal conduct.)Tj T* (Clearanceis denied. )Tj 8.08 0 Td (CASENO 03-16639.h1)Tj -8.08 -2.125 Td (DATE: 06/29/2005)Tj 0 -2.125 TD (DATE: )Tj (June 29, 2005)Tj 0 -3.25 TD (In Re:)Tj /Span<>> BDC ( )Tj EMC T* (---------------)Tj 0 -2.125 TD (SSN: -----------)Tj 0 -5.375 TD (Applicant for Security Clearance)Tj 0 -6.5 TD (ISCR Case No. 03-16639)Tj /Span<>> BDC ( )Tj EMC /TT1 1 Tf 14.419 -5.5 Td (DECISION OF ADMINISTRATIVE JUDGE)Tj 3.223 -2.125 Td (CAROL G. 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"k CE[u8L;[`Xg')!jv}j,;2W28e|>7ظb!,Ǧ'Rq/M6F#6.3Mg|ΰq&3/d2hQoԳf@Cԁ5+^Z*=boΘ{(6gR掴ȼpRx*N0ȌdrD=l@M}D!qB4d6(Q*H~*ՌY8Fag o>tՁ` Қ3c.̵k.@'3k.7k]iؗGf@"AlvrP)衑9EI 5OL@),Je*Sթf,%"5YEŰvF^Ew9exVʑyŷ endstream endobj 20 0 obj <>/ProcSet[/PDF/Text]>>/StructParents 7/Type/Page>> endobj 51 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/03-16639.h1.htm)Tj 49.519 0 Td ([6/24/2021 3:25:29 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 16 753 Tm (Subparagraph 1.c. )Tj (Against the Applicant)Tj ET Q BT 0 g 12 0 0 12 16 727.5 Tm (Subparagraph 1.d. )Tj (Against the Applicant)Tj 0 -2.125 TD (Subparagraph 1.e. )Tj (Against the Applicant)Tj T* (Subparagraph 1.f. )Tj (Against the Applicant)Tj T* (Subparagraph 1.g. )Tj (Against the Applicant)Tj T* (Subparagraph 1.h. )Tj (Against the Applicant)Tj T* (Subparagraph 1.i. )Tj 7.332 0 Td (Against the Applicant)Tj -7.332 -2.125 Td (Subparagraph 1.j. )Tj 7.332 0 Td (Against the Applicant)Tj -7.332 -5.375 Td (Paragraph 2 )Tj (Personal Conduct \(Guideline E\) )Tj 18.106 0 Td (AGAINST THE APPLICANT)Tj -18.106 -5.375 Td (Subparagraph 2.a. )Tj (Against the Applicant)Tj T* (Subparagraph 2.b. )Tj (Against the Applicant)Tj /TT1 1 Tf 21.683 -7.625 Td (DECISION)Tj ET 0.75 w q 1 0 0 1 276.2002 327.75 cm 0 0 m 59.35 0 l h S Q BT /TT0 1 Tf 12 0 0 12 16 264 Tm (In light of all the circumstances presented by the record in this case, \ it is not clearly consistent with the national interest)Tj 0 -1.125 TD (to grant or continue a security clearance)Tj /Span<>> BDC ( )Tj EMC 16.242 0 Td (for Applicant. Clearance is denied.)Tj 3.499 -9.875 Td (Carol. G. Ricciardello)Tj 0.124 -2.125 Td (Administrative Judge)Tj -19.865 -5.375 Td (1. )Tj (This action was taken under Executive Order 10865, dated February 20, 19\ 60, as amended, and DoD Directive)Tj ET EMC endstream endobj 19 0 obj <>/ProcSet[/PDF/Text]>>/StructParents 6/Type/Page>> endobj 52 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/03-16639.h1.htm)Tj 49.519 0 Td ([6/24/2021 3:25:29 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 16 731.25 Tm (I have considered all the mitigating conditions and specifically conside\ red Personal Conduct Mitigating Condition \(PC)Tj 0 -1.125 TD (MC\) E2.A5.1.3.2 \()Tj /TT1 1 Tf (The falsification was)Tj /Span<>> BDC ( )Tj EMC 16.139 0 Td (an isolated incident, was not recent, and the individual has subsequentl\ y)Tj -16.139 -1.125 Td (provided correct information\), )Tj /TT0 1 Tf 12.498 0 Td (and PC MC E2. A5.1.3.3. )Tj /TT1 1 Tf (The individual made prompt,)Tj /Span<>> BDC ( )Tj EMC 22.416 0 Td (good faith efforts to correct the)Tj -34.915 -1.125 Td (falsification before being confronted with the facts\).)Tj /TT0 1 Tf 20.803 0 Td ( Applicant admitted that the reason she did not divulge her)Tj -20.803 -1.125 Td (outstanding)Tj /Span<>> BDC ( )Tj EMC 4.916 0 Td (debts on her SF 86 was because she thought she could get away with it. A\ pplicant specifically intended to)Tj -4.916 -1.125 Td (lie on her SF 86 and did not provide the correct)Tj /Span<>> BDC ( )Tj EMC 19.19 0 Td (information until she was later confronted with her debts. Therefore, I)Tj -19.19 -1.125 Td (find PC MC E2.A5.1.3.2 does not apply. I also find PC MC E2.A5.1.3.3 doe\ s not apply)Tj /Span<>> BDC ( )Tj EMC 35.305 0 Td (for the same reason.)Tj -35.305 -5.375 Td (In all adjudications, the protection of our national security is the par\ amount concern. The objective of the security-)Tj T* (clearance process is the fair-minded,)Tj /Span<>> BDC ( )Tj EMC 14.882 0 Td (commonsense assessment of a person's life to make an affirmative determi\ nation)Tj -14.882 -1.125 Td (that the person is eligible for a security clearance. Indeed, the adjudi\ cative)Tj /Span<>> BDC ( )Tj EMC 29.932 0 Td (process is a careful weighing of a number of)Tj -29.932 -1.125 Td (variables in considering the "whole person" concept. It recognizes that \ we should view a person by the totality of)Tj /Span<>> BDC ( )Tj EMC 45.47 0 Td (their)Tj -45.47 -1.125 Td (acts, omissions, motivations and other variables. Each case must be adju\ dged on its own merits, taking into)Tj T* (consideration all relevant circumstances, and)Tj /Span<>> BDC ( )Tj EMC 18.215 0 Td (applying sound judgment, mature thinking, and careful analysis.)Tj -18.215 -7.625 Td (I considered Applicant's appearance and demeanor while testifying. I als\ o considered the "whole person" concept in)Tj T* (evaluating Applicant's risk and)Tj /Span<>> BDC ( )Tj EMC 12.622 0 Td (vulnerability in protecting our national interests. I find Applicant has\ failed to mitigate)Tj -12.622 -1.125 Td (the security concerns raised by the financial considerations and persona\ l)Tj /Span<>> BDC ( )Tj EMC 29.156 0 Td (conduct concerns. Therefore, I am persuaded)Tj -29.156 -1.125 Td (by the totality of the evidence in this case, that it is not clearly con\ sistent with the national interest to grant)Tj /Span<>> BDC ( )Tj EMC 42.822 0 Td (Applicant a)Tj -42.822 -1.125 Td (security clearance. Accordingly, Guideline F and Guideline E are decided\ against Applicant.)Tj /TT2 1 Tf 19.364 -7.625 Td (FORMAL FINDINGS)Tj ET 0.75 w q 1 0 0 1 248.374 280.5 cm 0 0 m 115.002 0 l h S Q BT /TT0 1 Tf 12 0 0 12 16 216.75 Tm (Formal Findings for or against Applicant on the allegations set forth in\ the SOR, as required by Section E3.1.25 of)Tj T* (Enclosure 3 of the Directive, are:)Tj 0 -5.375 TD (Paragraph 1 )Tj (Financial Considerations \(Guideline F\) AGAINST THE APPLICANT)Tj T* (Subparagraph 1.a. )Tj (Against the Applicant)Tj 0 -2.125 TD (Subparagraph 1.b. )Tj (Against the Applicant)Tj ET EMC endstream endobj 18 0 obj <>/ProcSet[/PDF/Text]>>/StructParents 5/Type/Page>> endobj 53 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/03-16639.h1.htm)Tj 49.519 0 Td ([6/24/2021 3:25:29 PM])Tj EMC ET 0.753 g 10 36 591.75 729.75 re f /Article <>BDC EMC BT /Article <>BDC 0 g 12 0 0 12 16 739.5 Tm (I have considered all the Financial Considerations Mitigating Conditions\ \(FC MC\), and specifically considered FC MC)Tj 0 -1.125 TD (E2.A6.1.3.1 \()Tj /TT1 1 Tf (The behavior was not)Tj /Span<>> BDC ( )Tj EMC (recent\), )Tj /TT0 1 Tf 17.636 0 Td (FC MC E2.A6.1.3.3 \()Tj /TT1 1 Tf (The conditions that resulted in the behavior were)Tj -17.636 -1.125 Td (largely beyond the person's control \(e.g., loss of employment, a busine\ ss)Tj /Span<>> BDC ( )Tj EMC 29.237 0 Td (downturn, unexpected medical emergency, or a)Tj -29.237 -1.125 Td (death, divorce or separation\),)Tj /TT0 1 Tf 11.97 0 Td ( and FC MC E2.A6.1.3.6 \()Tj /TT1 1 Tf (The individual initiated a good-faith effort to repay)Tj /Span<>> BDC ( )Tj EMC 31.415 0 Td (overdue)Tj -43.385 -1.125 Td (creditors or otherwise resolve debts\) )Tj /TT0 1 Tf 14.97 0 Td (and FC MC E2.A6.1.3.4 \()Tj /TT1 1 Tf (The person has received or is receiving counseling for)Tj -14.97 -1.125 Td (the problem and there are clear)Tj /Span<>> BDC ( )Tj EMC 12.997 0 Td (indications that the problem is being resolved or is under control\))Tj /TT0 1 Tf 26.442 0 Td (.)Tj -39.439 -5.375 Td (Applicant's financial problems have existed since 1994 when she had diff\ iculty with her first truck. Since then she has)Tj T* (had a history of delinquencies and)Tj /Span<>> BDC ( )Tj EMC 13.94 0 Td (financial problems. I find FC MC E2.A6.1.3.1 does not apply.)Tj -13.94 -5.375 Td (Applicant was unable to work while her truck was being repaired and was \ confronted with medical bills when her)Tj T* (husband became ill. During this time she got)Tj /Span<>> BDC ( )Tj EMC 18.136 0 Td (behind in her payments. I find FC MC E2.A6.1.3.3 applies because these)Tj -18.136 -1.125 Td (events were beyond her control.)Tj 0 -7.625 TD (Applicant paid off her new truck in February 2003, and indicated she wou\ ld use that extra money to pay her delinquent)Tj 0 -1.125 TD (debts. She did not do that. Applicant makes two payments a month toward \ credit card debts, but those payments do not)Tj T* (even cover the past due or over limit fees. Applicant is not paying anyt\ hing)Tj /Span<>> BDC ( )Tj EMC 30.353 0 Td (towards the principal of the debts. Applicant)Tj -30.353 -1.125 Td (does not pay anything towards her other delinquent debts.)Tj 0 -5.375 TD (I have not considered the additional debts Applicant presented at the he\ aring that were not listed in the SOR allegations,)Tj 0 -1.125 TD (except to the extent of how they may)Tj /Span<>> BDC ( )Tj EMC 15.051 0 Td (impact her ability to pay the overdue debts in the SOR, and whether she \ has)Tj -15.051 -1.125 Td (sufficient income to accomplish paying them. Applicant claims she intend\ s to pay)Tj /Span<>> BDC ( )Tj EMC 33.02 0 Td (her debts, but she is unaware of how)Tj -33.02 -1.125 Td (much she actually owes on each debt and in some cases what the debts are\ for. Applicant failed to make an accounting)Tj T* (of)Tj /Span<>> BDC ( )Tj EMC (how she intends to pay the debts. Applicant has had almost three years s\ ince she first filled out the SF 86, and two)Tj T* (years since she made a statement indicating)Tj /Span<>> BDC ( )Tj EMC 17.688 0 Td (she had excess money after paying off her truck to pay her debts. She ha\ s)Tj -17.688 -1.125 Td (not followed through in making payments, other than the two noted, )Tj 27.523 0 Td (and has no)Tj /Span<>> BDC ( )Tj EMC (defined plan on how she would)Tj -27.523 -1.125 Td (accomplish it. Applicant intended to get credit counseling, but never fo\ llowed through. I find FC MC E2.A6.1.4 and FC)Tj T* (MC)Tj /Span<>> BDC ( )Tj EMC (E2.A6.1.6, do not apply. I find Applicant does not have a budget, plan o\ r sufficient means to resolve her past debts.)Tj 0 -5.375 TD (Based on all the evidence, Personal Conduct Disqualifying Condition \(PE\ DC\) E2.A5.1..2.2. \()Tj /TT1 1 Tf 37.689 0 Td (The deliberate omission,)Tj -37.689 -1.125 Td (concealment, or falsification of relevant)Tj /Span<>> BDC ( )Tj EMC 16.274 0 Td (and material facts from any personnel security questionnaire, personal h\ istory)Tj -16.274 -1.125 Td (statement, or similar form used to conduct investigations, determine)Tj /Span<>> BDC ( )Tj EMC 27.525 0 Td (employment qualifications, award benefits or)Tj -27.525 -1.125 Td (status, determine security clearance eligibility or trustworthiness, or \ award fiduciary responsibilities\) )Tj /TT0 1 Tf 41.08 0 Td (applies in)Tj /Span<>> BDC ( )Tj EMC 4.11 0 Td (this)Tj -45.19 -1.125 Td (case. Applicant admitted she intentionally falsified her answers to Ques\ tions 38 and 39 on the SF 86 because she)Tj 0 -1.125 TD (thought she could get away with it and)Tj /Span<>> BDC ( )Tj EMC 15.719 0 Td (was trying to keep her clearance.)Tj EMC ET endstream endobj 17 0 obj <>/ProcSet[/PDF/Text]>>/StructParents 4/Type/Page>> endobj 54 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/03-16639.h1.htm)Tj 49.519 0 Td ([6/24/2021 3:25:29 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 (applicant.)Tj 5.472 0 Td ( It is)Tj /Span<>> BDC ( )Tj EMC (merely an indication that the applicant has not met the strict guideline\ s the President and the)Tj ET Q BT 0 g 12 0 0 12 16 741.75 Tm (Secretary of Defense have established for issuing a clearance.)Tj 0 -5.375 TD (Based upon consideration of all the evidence, I find the following adjud\ icative guidelines most pertinent to the)Tj 0 -1.125 TD (evaluation of the facts in this case:)Tj 0 -7.625 TD (Guideline F- Financial Considerations-a security concern exists when a p\ erson has significant delinquent debts. An)Tj 0 -1.125 TD (individual who is financially overextended)Tj /Span<>> BDC ( )Tj EMC 17.356 0 Td (is at risk of having to engage in illegal or unethical acts to generate \ funds to)Tj -17.356 -1.125 Td (meet financial obligations. Similarly, an individual who is financially \ irresponsible)Tj /Span<>> BDC ( )Tj EMC 33.438 0 Td (may also be irresponsible,)Tj -33.438 -1.125 Td (unconcerned, or careless in their obligation to protect classified infor\ mation. Behaving responsibly or irresponsibly in)Tj T* (one aspect of)Tj /Span<>> BDC ( )Tj EMC 5.525 0 Td (life provides an indication of how a person may behave in other aspects \ of life.)Tj -5.525 -5.375 Td (Guideline E-Personal Conduct-a security concern may exist when an indivi\ dual's conduct involves questionable)Tj T* (judgment, untrustworthiness, unreliability, lack)Tj /Span<>> BDC ( )Tj EMC 19.191 0 Td (of candor, dishonesty, or unwillingness to comply with rules and)Tj -19.191 -1.125 Td (regulations that could indicate that the person may not properly safegua\ rd classified)Tj /Span<>> BDC ( )Tj EMC 33.767 0 Td (information.)Tj -33.767 -5.375 Td (Conditions that could raise a security concern and may be disqualifying,\ as well as those which would mitigate security)Tj T* (concerns, pertaining to the adjudicative)Tj /Span<>> BDC ( )Tj EMC 15.994 0 Td (guideline are set forth and discussed in the conclusions below.)Tj /TT1 1 Tf 4.495 -7.625 Td (CONCLUSIONS)Tj ET 0.75 w q 1 0 0 1 261.8652 256.5 cm 0 0 m 88.02 0 l h S Q BT /TT0 1 Tf 12 0 0 12 16 192.75 Tm (I have carefully considered all the facts in evidence and the legal stan\ dards. The government has established a prima)Tj T* (facie case for disqualification under)Tj /Span<>> BDC ( )Tj EMC 14.577 0 Td (Guideline F and Guideline E.)Tj -14.577 -5.375 Td (Based on all the evidence, Financial Considerations Disqualifying Condit\ ion \(FC DC\) E2.A6.1.2.1 \()Tj /TT2 1 Tf 40.133 0 Td (A history of not)Tj -40.133 -1.125 Td (meeting financial obligations\),)Tj /TT0 1 Tf 12.304 0 Td ( FC DC)Tj /Span<>> BDC ( )Tj EMC (E2.A6.1.2.3.)Tj /TT2 1 Tf ( \(Inability or unwillingness to satisfy debts)Tj /TT0 1 Tf 25.5 0 Td (\),)Tj /TT2 1 Tf ( )Tj /TT0 1 Tf (apply in this case.)Tj -37.805 -1.125 Td (Applicant accumulated significant delinquent debt from 1997 through 2004\ .)Tj /Span<>> BDC ( )Tj EMC 30.715 0 Td (Applicant is making minimum payments on)Tj -30.715 -1.125 Td (two credit card debts and is not making any payments on the others.)Tj ET EMC endstream endobj 16 0 obj <>/ProcSet[/PDF/Text]>>/StructParents 3/Type/Page>> endobj 55 0 obj [57 0 R 58 0 R 59 0 R 60 0 R 61 0 R 62 0 R 63 0 R 64 0 R 65 0 R 66 0 R 67 0 R 68 0 R 69 0 R 70 0 R] endobj 56 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/03-16639.h1.htm)Tj 49.519 0 Td ([6/24/2021 3:25:29 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 (difficult because she is the only one working in her family. 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Included in the)Tj /Span<>> BDC ( )Tj EMC 16.659 0 Td (guidelines are disqualifying conditions \(DC\) and mitigating conditions\ \(MC\))Tj -16.659 -1.125 Td (applicable to each specific guideline. 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the loyalty of an)Tj 0 0 1 rg 9.75 0 0 9.75 62.9805 41.25 Tm ( \(16\))Tj ET q 1 0 0 1 62.9805 40.5 cm 0 0 m 18.681 0 l h S Q EMC endstream endobj 57 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[580.0 754.0 594.0 765.0]/Subtype/Link/Type/Annot>> endobj 58 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[16.0 646.0 27.0 657.0]/Subtype/Link/Type/Annot>> endobj 59 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[285.0 630.0 299.0 641.0]/Subtype/Link/Type/Annot>> endobj 60 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[16.0 613.0 27.0 624.0]/Subtype/Link/Type/Annot>> endobj 61 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[502.0 613.0 516.0 624.0]/Subtype/Link/Type/Annot>> endobj 62 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[276.0 241.0 290.0 252.0]/Subtype/Link/Type/Annot>> endobj 63 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[16.0 225.0 27.0 236.0]/Subtype/Link/Type/Annot>> endobj 64 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[379.0 225.0 397.0 236.0]/Subtype/Link/Type/Annot>> endobj 65 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[37.0 169.0 55.0 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(23, 2005 to allow Applicant to submit additional exhibits. No)Tj /Span<>> BDC ( )Tj EMC 24.831 0 Td (additional documents were received and the record was)Tj ET Q BT 0 g 12 0 0 12 16 741.75 Tm (closed. The transcript was received on June 21, 2005.)Tj /TT1 1 Tf 0 -7.625 TD (FINDINGS OF FACT)Tj ET 0.75 w q 1 0 0 1 16 649.5 cm 0 0 m 114.006 0 l h S Q BT /TT0 1 Tf 12 0 0 12 16 585.75 Tm (Applicant's admissions to the allegations in the SOR are incorporated he\ rein. In addition, after a thorough review of the)Tj 0 -1.125 TD (pleadings, exhibits, and testimony, I)Tj /Span<>> BDC ( )Tj EMC 14.72 0 Td (make the following findings of fact:)Tj -14.72 -2.125 Td (Applicant is 48 years old and has worked as a truck driver for eight yea\ rs for a federal contractor. Applicant admitted)Tj T* (she owes all the debts alleged in the SOR.)Tj /Span<>> BDC ( )Tj EMC 17.052 0 Td (Applicant is married and her husband does not work. Applicant owns her o\ wn)Tj -17.052 -1.125 Td (truck. Applicant made her final monthly payment on her truck in February\ 2003.)Tj /Span<>> BDC ( )Tj EMC 32.519 0 Td (Her monthly payments were)Tj -32.519 -1.375 Td ($2,245.78. Applicant stated in May 2003, that she intended to use the ex\ cess income to pay off her debts.)Tj 0 0 1 rg 9.75 0 0 9.75 520.8848 507.75 Tm ( \(2\))Tj ET 0 0 1 RG q 1 0 0 1 520.8848 507 cm 0 0 m 13.806 0 l h S Q BT 0 g 12 0 0 12 534.6909 503.25 Tm ( Applicant's)Tj -43.224 -1.125 Td (income)Tj /Span<>> BDC ( )Tj EMC 3.193 0 Td (varies month to month.)Tj -3.193 -5.375 Td (Applicant and her husband do not have health insurance. Applicant's husb\ and has heart problems that require medical)Tj T* (attention and medicines that they must)Tj /Span<>> BDC ( )Tj EMC 15.663 0 Td (pay for. Applicant took out a loan to pay for her husband's medical expe\ nses. She)Tj -15.663 -1.125 Td (completed paying the loan back in May 2003. Applicant and her husband)Tj /Span<>> BDC ( )Tj EMC 29.576 0 Td (have outstanding debts for other medical)Tj -29.576 -1.125 Td (expenses.)Tj 0 -5.375 TD (Applicant's financial problems began in 1994, when the truck she owned h\ ad problems and the engine had to be)Tj 0 -1.125 TD (replaced three times. During the time the truck)Tj /Span<>> BDC ( )Tj EMC 18.91 0 Td (was being repaired she was unable to work. Applicant's husband had to)Tj -18.91 -1.125 Td (stop driving trucks because he lost his license.)Tj 0 -5.375 TD (Applicant has ten delinquent accounts alleged in the SOR, totaling over \ $13,000.00. These delinquencies range from)Tj 0 -1.125 TD (1997 through 2004. Eight of ten of the)Tj /Span<>> BDC ( )Tj EMC 15.637 0 Td (delinquent accounts in the SOR, are credit card debts. Applicant is maki\ ng two)Tj -15.637 -1.125 Td (payments on two credit card accounts. One payment is for $50.00 a month \ and)Tj /Span<>> BDC ( )Tj EMC 31.714 0 Td (the other is for $60.00 a month. On each)Tj -31.714 -1.125 Td (of these accounts $58.00 is charged monthly to cover past due fees and o\ ver limit fees. So Applicant's payment of)Tj T* ($50.00 to one account does not even cover all the fees. Applicant is not\ paying any of the other outstanding debts.)Tj T* (Applicant is unaware of how much she)Tj /Span<>> BDC ( )Tj EMC 15.857 0 Td (actually owes to each creditor. Applicant admits she has not paid any ot\ her)Tj -15.857 -1.125 Td (creditors. Applicant provided information regarding other delinquent deb\ ts she has)Tj /Span<>> BDC ( )Tj EMC 33.352 0 Td (that were not part of the SOR.)Tj -33.352 -1.125 Td (Applicant bought a truck for personal use in 2004, and is current on the\ monthly payment of $706.00.)Tj 0 -5.375 TD (Applicant hired an extra driver in 2002, so she could make more money. T\ hey worked as a team until November 2004.)Tj 0 -1.125 TD (Applicant paid her a percentage of the)Tj /Span<>> BDC ( )Tj EMC 15.521 0 Td (gross pay Applicant received. Applicant estimated she made up to $5,000.\ 00)Tj -15.521 -1.125 Td (gross pay some months. Other months that amount would be less. Applicant\ wants)Tj /Span<>> BDC ( )Tj EMC 33.302 0 Td (to pay her delinquent debts, but it is)Tj ET EMC endstream endobj 73 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[521.0 505.0 535.0 516.0]/Subtype/Link/Type/Annot>> endobj 14 0 obj <>/ProcSet[/PDF/Text]>>/StructParents 1/Type/Page>> endobj 74 0 obj [77 0 R] endobj 75 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/03-16639.h1.htm)Tj 49.519 0 Td ([6/24/2021 3:25:29 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 /TT1 1 Tf 11.25 0 0 11.25 259.7819 756 Tm (FOR APPLICANT)Tj ET Q BT 0 g /TT2 1 Tf 11.25 0 0 11.25 290.4062 731.25 Tm (Pro Se)Tj /TT1 1 Tf 12 0 0 12 276.5312 639.75 Tm (SYNOPSIS)Tj ET 0.75 w q 1 0 0 1 276.5312 639 cm 0 0 m 58.688 0 l h S Q BT /TT0 1 Tf 12 0 0 12 16 575.25 Tm (Applicant is a 48-year-old truck driver who has worked for a federal con\ tractor for eight years. Applicant has over)Tj 0 -1.125 TD ($13,000 in delinquent debt dating back to)Tj /Span<>> BDC ( )Tj EMC 16.886 0 Td (1997. Applicant does not have a budget, plan, means or resolve to pay ba\ ck)Tj -16.886 -1.125 Td (her debt. Applicant admittedly lied on her Security Clearance Questionna\ ire)Tj /Span<>> BDC ( )Tj EMC 30.684 0 Td (because she thought she could get away)Tj -30.684 -1.125 Td (with it. Applicant failed to mitigate the security concerns regarding fi\ nancial considerations and personal conduct.)Tj T* (Clearance is denied.)Tj /TT1 1 Tf 18.739 -12.125 Td (STATEMENT OF CASE)Tj ET q 1 0 0 1 240.8623 375 cm 0 0 m 130.025 0 l h S Q BT /TT0 1 Tf 12 0 0 12 16 311.25 Tm (On October 5, 2004, the Defense Office of Hearings and Appeals \(DOHA\) \ issued to Applicant a Statement of Reasons)Tj T* (\(SOR\) stating they were unable to find)Tj /Span<>> BDC ( )Tj EMC 15.747 0 Td (that it is clearly consistent with the national interest to grant or con\ tinue a)Tj -15.747 -1.375 Td (security clearance.)Tj 0 0 1 rg 9.75 0 0 9.75 105.2734 285.75 Tm ( \(1\))Tj ET 0 0 1 RG q 1 0 0 1 105.2734 285 cm 0 0 m 13.806 0 l h S Q BT 0 g 12 0 0 12 119.0796 281.25 Tm ( The SOR, which is in essence the administrative complaint,)Tj /Span<>> BDC ( )Tj EMC 24.384 0 Td (alleges security concerns under)Tj -32.974 -1.125 Td (Guideline F, financial considerations, and Guideline E, personal conduct\ .)Tj 0 -5.375 TD (In a sworn statement, dated November 15, 2004, Applicant responded to th\ e SOR allegations, and requested a hearing.)Tj 0 -1.125 TD (In her SOR response, Applicant)Tj /Span<>> BDC ( )Tj EMC (admitted the allegations in subparagraphs 1.a. through 1.j., and denied \ the allegations in)Tj T* (subparagraphs 2.a. and 2.b.)Tj 0 -5.375 TD (The case was assigned to me on December 22, 2004. A notice of hearing wa\ s issued on February 1, 2005, scheduling)Tj 0 -1.125 TD (the hearing for February 24, 2005. The)Tj /Span<>> BDC ( )Tj EMC 15.801 0 Td (hearing was canceled on February 23, 2005, at the request of Applicant d\ ue to)Tj -15.801 -1.125 Td (her unavailability. A new notice of hearing was issued on April 1, 2005,\ )Tj /Span<>> BDC ( )Tj EMC 29.105 0 Td (scheduling the hearing for May 12, 2005. The)Tj -29.105 -1.125 Td (hearing was conducted as scheduled. The government submitted six exhibit\ s that were marked as Government)Tj /Span<>> BDC ( )Tj EMC 44.376 0 Td (Exhibits)Tj -44.376 -1.125 Td (\(GE\) 1-6, and admitted into the record. The Applicant testified on her\ own behalf, and submitted two exhibits that were)Tj T* (marked as Applicant's Exhibit)Tj /Span<>> BDC ( )Tj EMC 12.289 0 Td (\(AE\) A and B, and were admitted without objection. The record was held\ open until May)Tj ET EMC endstream endobj 76 0 obj <> endobj 78 0 obj <> endobj 79 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 80 0 obj <>stream H|XϙsgwQQl0k l %O1"*(*Q4ł%XETbGAw]bϒ5 }s=sϜ?P&APZi?q ]^63TZv@56#2vPLuR4E4e(y|?+*"4^ FzQkj=<,GoØ(`Q*7 0$uGŕ8 up~Ȉs#!1)ysRΛ/Y ˖X*-}uiƬMlݶ}]ݷ@C=VxSs/\Wk+'U eA'l$O 14h&Uab3,9b@|;+ԕ'W*5]U)JRX namXf1<10N1&1fTTTTפzBMQUP+nZ[zMVNR LuJݠnU9:5NXY̤ o, GS9ٔNE􊹲 O Y\H|!Z+Ճ~>ULJ{$e\P*ϔ0D )TƩƔquLBL !5Us9!PG0pn4 (B<'$BOBx b<{6Fng=;d,}E$?#[,,P (sw /]ZONUC#$)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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