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Clearance is granted.)Tj 3.541 -12.125 Td (Matthew E. Malone)Tj -0.306 -2.125 Td (Administrative Judge)Tj -19.865 -2.125 Td (1. )Tj (Required by Executive Order 10865, as amended, and by DoD Directive 5220\ .6 \(Directive\), as amended.)Tj 0 -2.125 TD (2. )Tj (AE A is 214 pages long and is described in the transcript at pp. 23 - 31\ .)Tj T* (3. )Tj (GE 2.)Tj T* (4. )Tj (GE 4. Accordingly, the debts listed in SOR \266\266 1.a and 1.n appear t\ o be the same account.)Tj T* (5. )Tj (Tr., 40.)Tj T* (6. )Tj (GE 3.)Tj T* (7. )Tj (Tr., 52 - 53.)Tj T* (8. )Tj (GE 1.)Tj T* (9. )Tj (Tr., 34 - 38.)Tj T* (10. )Tj /TT2 1 Tf (See)Tj /TT0 1 Tf ( )Tj /TT2 1 Tf (Department of the Navy v. Egan)Tj /TT0 1 Tf 16.023 0 Td (, 484 U.S. 518 \(1988\).)Tj -16.023 -2.125 Td (11. )Tj /TT2 1 Tf (See Egan,)Tj /TT0 1 Tf 5.499 0 Td ( 484 U.S. at 528, 531.)Tj -5.499 -2.125 Td (12. )Tj /TT2 1 Tf (See Egan; )Tj /TT0 1 Tf 5.832 0 Td (Directive E2.2.2.)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 (yComputer/Desktop/DOHA%20transfer/DOHA-Kane/dodogc/doha/industrial/Archi\ ved%20-%20HTML/04-07137.h1.htm)Tj 50.019 0 Td ([7/2/2021 3:32:35 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 (collector. The fact Applicant still owes significant debt)Tj /Span<>> BDC ( )Tj EMC 22.243 0 Td (must be weighed in the context of the difficult circumstances)Tj ET Q BT 0 g 12 0 0 12 16 741.75 Tm (and events related thereto. Applicant is not overly sophisticated in mat\ ters of finance. Nor has he)Tj /Span<>> BDC ( )Tj EMC 38.988 0 Td (much experience in the)Tj -38.988 -1.125 Td (personnel security process. What he does well is work hard. There is no \ record of any new delinquencies nor is there)Tj 0 -1.125 TD (any indication of)Tj /Span<>> BDC ( )Tj EMC 7.026 0 Td (gross mismanagement of his personal finances. He still works two jobs so\ he can resolve his financial)Tj -7.026 -1.125 Td (affairs, and he now has the time to address his debts,)Tj /Span<>> BDC ( )Tj EMC 21.3 0 Td (albeit for the unfortunate reason that his wife recently succumbed)Tj -21.3 -1.125 Td (to her illnesses. On balance, I conclude Guideline F for the Applicant.)Tj /TT1 1 Tf 19.364 -7.625 Td (FORMAL FINDINGS)Tj ET 0.75 w q 1 0 0 1 248.374 595.5 cm 0 0 m 115.002 0 l h S Q BT /TT0 1 Tf 12 0 0 12 16 531.75 Tm (Formal findings regarding each SOR allegation are as follows:)Tj 0 -5.375 TD (Paragraph 1, Guideline F \(Financial\): )Tj 15.218 0 Td (FOR THE APPLICANT)Tj -15.218 -2.125 Td (Subparagraph 1.a: )Tj 7.525 0 Td (For the Applicant)Tj -7.525 -2.125 Td (Subparagraph 1.b: )Tj 7.582 0 Td (For the Applicant)Tj -7.582 -2.125 Td (Subparagraph 1.c: )Tj 7.525 0 Td (For the Applicant)Tj -7.525 -2.125 Td (Subparagraph 1.d: )Tj 7.582 0 Td (For the Applicant)Tj -7.582 -2.125 Td (Subparagraph 1.e: )Tj 7.525 0 Td (For the Applicant)Tj -7.525 -2.125 Td (Subparagraph 1.f: )Tj (For the Applicant)Tj 0 -2.125 TD (Subparagraph 1.g: )Tj 7.582 0 Td (For the Applicant)Tj -7.582 -2.125 Td (Subparagraph 1.h: )Tj 7.582 0 Td (For the Applicant)Tj -7.582 -2.125 Td (Subparagraph 1.i: )Tj 7.359 0 Td (For the Applicant)Tj -7.359 -2.125 Td (Subparagraph 1.j: )Tj 7.359 0 Td (For the Applicant)Tj -7.359 -2.125 Td (Subparagraph 1.k: )Tj 7.582 0 Td (For the Applicant)Tj -7.582 -2.125 Td (Subparagraph 1.l: )Tj 7.359 0 Td (For the Applicant)Tj -7.359 -2.125 Td (Subparagraph 1.m: )Tj 7.859 0 Td (For the Applicant)Tj -7.859 -2.125 Td (Subparagraph 1.n: )Tj 7.582 0 Td (For the Applicant)Tj -7.582 -5.375 Td (Paragraph 2, Guideline E \(Personal Conduct\): FOR THE APPLICANT)Tj ET EMC endstream endobj 18 0 obj <>/ProcSet[/PDF/Text]>>/StructParents 5/Type/Page>> endobj 53 0 obj [55 0 R 56 0 R 57 0 R 58 0 R] 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 (yComputer/Desktop/DOHA%20transfer/DOHA-Kane/dodogc/doha/industrial/Archi\ ved%20-%20HTML/04-07137.h1.htm)Tj 50.019 0 Td ([7/2/2021 3:32:35 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 (this Applicant has, by not making any disclosure he was not sure of. Lik\ ewise, there has been no ongoing effort to)Tj ET Q BT 0 g 12 0 0 12 16 741.75 Tm (conceal this)Tj /Span<>> BDC ( )Tj EMC 4.998 0 Td (information or mislead the government about this or any other aspect of \ Applicant's background. While)Tj -4.998 -1.125 Td (certainly not conclusive of the issue, I also note that)Tj /Span<>> BDC ( )Tj EMC 21.022 0 Td (DSS did not view Applicant's omissions as security significant)Tj -21.022 -1.125 Td (given his explanations.)Tj 0 -5.375 TD (Applicant acknowledged at hearing he should have disclosed the repossess\ ion of his step-daughter's car. Rather than try)Tj 0 -1.125 TD (to fix blame on his step-daughter for)Tj /Span<>> BDC ( )Tj EMC 14.857 0 Td (her failure to pay the car note, his only explanation for why he omitted\ the)Tj -14.857 -1.125 Td (information was that he made a mistake. As to his answers to the other q\ uestions,)Tj /Span<>> BDC ( )Tj EMC 32.799 0 Td (Applicant disclosed a delinquent car)Tj -32.799 -1.125 Td (payment, which indicated to the government that he had some financial is\ sues in his background. Based on the totality)Tj T* (of)Tj /Span<>> BDC ( )Tj EMC (available information in this regard, Applicant did not intend to falsif\ y his answers to the SF 86. On balance, absent)Tj T* (intent to falsify his SF 86 or otherwise)Tj /Span<>> BDC ( )Tj EMC 15.61 0 Td (mislead the government about his finances, I conclude none of the Guidel\ ine E)Tj -15.61 -1.125 Td (disqualifying conditions \(DC\) apply, and this guideline is resolved in\ favor of)Tj /Span<>> BDC ( )Tj EMC 31.356 0 Td (the Applicant.)Tj -31.356 -5.375 Td (The facts presented through the government's information offered in supp\ ort of the SOR \2661 allegations also raise)Tj T* (security concerns addressed in the Directive under Guideline F. The gove\ rnment has established Applicant owes more)Tj T* (than $23,000 in delinquent debts dating back to at least 1998. He has be\ en unable to pay those debts since 2002, when)Tj T* (he and his wife tried to establish their small business. An applicant wh\ o is financially overextended through delinquent)Tj T* (debt and poor personal financial management may be at risk of engaging i\ n illegal acts to generate funds to resolve their)Tj T* (fiscal difficulties. Failure to reasonably attend to personal finances m\ ay also indicate poor judgment and reliability in)Tj 0 -1.375 TD (other facets of one's conduct.)Tj 0 0 1 rg 9.75 0 0 9.75 155.7754 425.25 Tm ( \(16\))Tj ET 0 0 1 RG 0.75 w q 1 0 0 1 155.7754 424.5 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 174.4565 420.75 Tm ( The facts here support application of )Tj 15.189 0 Td (Guideline F)Tj /Span<>> BDC ( )Tj EMC 5 0 Td (disqualifying condition \(DC\) 1)Tj 0 0 1 rg 9.75 0 0 9.75 565.0366 425.25 Tm ( \(17\))Tj ET q 1 0 0 1 565.0366 424.5 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 16 404.25 Tm (and DC 3.)Tj 0 0 1 rg 9.75 0 0 9.75 64.9961 408.75 Tm ( \(18\))Tj ET q 1 0 0 1 64.9961 408 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 83.6772 404.25 Tm ( DC 1 applies based on the fact there is a record of delinquencies attri\ butable to the Applicant. As to DC)Tj -5.64 -1.125 Td (3, this)Tj /Span<>> BDC ( )Tj EMC (case is more about Applicant's inability to pay than any unwillingness t\ o pay his debts. His ability to meet his)Tj 0 -1.125 TD (pre-2002 obligations \(the car repossession and)Tj /Span<>> BDC ( )Tj EMC 18.829 0 Td (five other personal accounts\) was interrupted, first by his failed busi\ ness)Tj -18.829 -1.125 Td (venture, then by the need to care for his dying wife.)Tj 0 -5.375 TD (While the government is reasonably concerned about the risks attendant t\ o Applicant's indebtedness, the facts also)Tj 0 -1.375 TD (support application of Guideline F MC 3.)Tj 0 0 1 rg 9.75 0 0 9.75 214.9785 287.25 Tm ( \(19\))Tj ET q 1 0 0 1 214.9785 286.5 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 233.6597 282.75 Tm ( At the time he started the grocery store, Applicant had experienced som\ e)Tj -18.138 -1.125 Td (financial difficulties in the form of the unpaid car loan for his step-d\ aughter and a child support arrearage, 90% of which)Tj 0 -1.125 TD (has been satisfied. He owes the car repossession debt because his step-d\ aughter failed make the monthly car payments.)Tj T* (His business failed because the operating costs were unexpectedly too hi\ gh. He left a steady job to try to salvage the)Tj T* (business, but those efforts caused him to fall behind on other obligatio\ ns consisting mainly of personal credit accounts.)Tj T* (However, Applicant and his wife took action to resolve their finances wh\ en they moved to another state to take jobs at a)Tj T* (shipyard, and, in Applicant's case, a second full-time job to supplement\ their income. Had he not had to significantly)Tj T* (curtail his income earning to care for his sick wife, Applicant likely w\ ould have had both the money and the time to)Tj T* (address his past due obligations. Thus, MC 3 also works in Applicant's f\ avor because of the unexpected impediments to)Tj T* (his efforts to resolve these debts.)Tj 0 -5.375 TD (In addition to the specific factors under Guideline F, I have tried to m\ ake a fair and commonsense assessment of the)Tj 0 -1.125 TD (record before me as required by Directive)Tj /Span<>> BDC ( )Tj EMC 16.964 0 Td (Section E2.2.3. )Tj 6.36 0 Td (While it cannot be denied Applicant still owes a great deal of)Tj -23.324 -1.125 Td (money, cases occasionally present themselves requiring assessment of mor\ e than)Tj /Span<>> BDC ( )Tj EMC 32.629 0 Td (just assets and liabilities. The fact)Tj -32.629 -1.125 Td (money is still owed or the amount of the debt should not be the end of t\ he analysis here. The government is rightly)Tj T* (concerned)Tj /Span<>> BDC ( )Tj EMC 4.358 0 Td (about the risk Applicant would turn to illegal acts to generate funds, b\ ut the government is not a bill)Tj ET EMC endstream endobj 55 0 obj <H-OI@N_16_)/S/GoTo>>/BS<>/Border[0 0 0]/PA<>/Rect[156.0 423.0 174.0 434.0]/Subtype/Link/Type/Annot>> endobj 56 0 obj <H-OI@N_17_)/S/GoTo>>/BS<>/Border[0 0 0]/PA<>/Rect[565.0 423.0 583.0 434.0]/Subtype/Link/Type/Annot>> endobj 57 0 obj <H-OI@N_18_)/S/GoTo>>/BS<>/Border[0 0 0]/PA<>/Rect[65.0 406.0 83.0 417.0]/Subtype/Link/Type/Annot>> endobj 58 0 obj <H-OI@N_19_)/S/GoTo>>/BS<>/Border[0 0 0]/PA<>/Rect[215.0 285.0 233.0 296.0]/Subtype/Link/Type/Annot>> endobj 17 0 obj <>/ProcSet[/PDF/Text]>>/StructParents 4/Type/Page>> endobj 59 0 obj [61 0 R 62 0 R 63 0 R 64 0 R 65 0 R 66 0 R] endobj 60 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 (yComputer/Desktop/DOHA%20transfer/DOHA-Kane/dodogc/doha/industrial/Archi\ ved%20-%20HTML/04-07137.h1.htm)Tj 50.019 0 Td ([7/2/2021 3:32:35 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 16 735.75 Tm (A security clearance decision is intended to resolve whether it is clear\ ly consistent with the national interest)Tj 0 0 1 rg 9.75 0 0 9.75 533.166 740.25 Tm ( \(10\))Tj ET 0 0 1 RG 0.75 w q 1 0 0 1 533.166 739.5 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 551.8472 735.75 Tm ( for an)Tj -44.654 -1.125 Td (Applicant to either receive or continue to)Tj /Span<>> BDC ( )Tj EMC 16.688 0 Td (have access to classified information. The government bears the initial \ burden)Tj -16.688 -1.125 Td (of producing admissible information on which it based the preliminary de\ cision)Tj /Span<>> BDC ( )Tj EMC 32.132 0 Td (to deny or revoke a security clearance)Tj -32.132 -1.125 Td (for the Applicant. Additionally, the government must be able to prove co\ ntroverted facts alleged in the SOR. If the)Tj 0 -1.125 TD (government meets its burden, it establishes that it is not clearly consi\ stent with the national interest for the Applicant to)Tj T* (have access to classified information.)Tj /Span<>> BDC ( )Tj EMC 15.217 0 Td (The burden then shifts to the Applicant to refute, extenuate or mitigate\ the)Tj -15.217 -1.125 Td (government's case. Because no one has a "right" to a security clearance,\ the)Tj /Span<>> BDC ( )Tj EMC 30.457 0 Td (Applicant bears a heavy burden of)Tj -30.457 -1.375 Td (persuasion.)Tj 0 0 1 rg 9.75 0 0 9.75 70.3223 642.75 Tm ( \(11\))Tj ET q 1 0 0 1 70.3223 642 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 89.0034 638.25 Tm ( A person who has access to classified information enters into a fiducia\ ry relationship with the)Tj -6.084 -1.125 Td (government based on trust and confidence. The government, therefore, has\ a compelling interest in ensuring each)Tj T* (Applicant possesses the requisite judgement, reliability and trustworthi\ ness of one who will protect the national interests)Tj T* (as his or her own. The "clearly consistent with the national interest" s\ tandard compels)Tj /Span<>> BDC ( )Tj EMC 34.557 0 Td (resolution of any reasonable)Tj -34.557 -1.375 Td (doubt about an Applicant's suitability for access in favor of the govern\ ment.)Tj 0 0 1 rg 9.75 0 0 9.75 380.7344 585.75 Tm ( \(12\))Tj ET q 1 0 0 1 380.7344 585 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 16 552.75 Tm (To that end, the Directive sets forth adjudicative guidelines)Tj 0 0 1 rg 9.75 0 0 9.75 300.2441 557.25 Tm ( \(13\))Tj ET q 1 0 0 1 300.2441 556.5 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 318.9253 552.75 Tm ( for consideration when evaluating an Applicant's)Tj -25.244 -1.125 Td (suitability for access to classified information.)Tj /Span<>> BDC ( )Tj EMC 18.745 0 Td (Security clearance decisions must reflect consideration of disqualifying\ )Tj -18.745 -1.125 Td (and mitigating conditions under each adjudicative issue applicable to th\ e facts and)Tj /Span<>> BDC ( )Tj EMC 33.156 0 Td (circumstances of each case. Each)Tj -33.156 -1.125 Td (decision must also reflect a fair and impartial common sense considerati\ on of the factors listed in Section 6.3 of the)Tj T* (Directive.)Tj /Span<>> BDC ( )Tj EMC 4.22 0 Td (The presence or absence of a disqualifying or mitigating condition is no\ t determinative of a conclusion for or)Tj -4.22 -1.125 Td (against an Applicant. However, specific applicable)Tj /Span<>> BDC ( )Tj EMC 20.603 0 Td (guidelines should be followed whenever a case can be measured)Tj -20.603 -1.125 Td (against them as they represent policy guidance governing the grant or de\ nial of access to)Tj /Span<>> BDC ( )Tj EMC 35.682 0 Td (classified information. Having)Tj -35.682 -1.125 Td (considered the record evidence as a whole, I conclude the relevant adjud\ icative guidelines to be applied here are)Tj T* (Guideline E)Tj /Span<>> BDC ( )Tj EMC 5.054 0 Td (\(personal conduct\) and )Tj 9.413 0 Td (Guideline F \(financial considerations\).)Tj /TT1 1 Tf 6.021 -5.375 Td (CONCLUSIONS)Tj ET 0 G q 1 0 0 1 261.8652 379.5 cm 0 0 m 88.02 0 l h S Q BT /TT0 1 Tf 12 0 0 12 16 315.75 Tm (The security concern stated under Guideline E is that conduct involving \ questionable judgment, untrustworthiness,)Tj T* (unreliability, lack of candor, dishonesty, or)Tj /Span<>> BDC ( )Tj EMC 17.468 0 Td (unwillingness to comply with rules and regulations could indicate that t\ he)Tj -17.468 -1.375 Td (person may not properly safeguard classified information.)Tj 0 0 1 rg 9.75 0 0 9.75 294.25 290.25 Tm ( \(14\))Tj ET 0 0 1 RG q 1 0 0 1 294.25 289.5 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 312.9312 285.75 Tm ( Here, the government)Tj /Span<>> BDC ( )Tj EMC 9.191 0 Td (alleged in SOR \266 2 that Applicant)Tj -33.935 -1.125 Td (deliberately falsified answers to three financial questions in his SF 86\ . )Tj 28.327 0 Td (Available information establishes the underlying)Tj -28.327 -1.125 Td (debts)Tj /Span<>> BDC ( )Tj EMC (and that they were not disclosed in Applicant's SF 86. Accordingly, the \ government is reasonably concerned, in)Tj T* (light of the results of Applicant's background)Tj /Span<>> BDC ( )Tj EMC 18.315 0 Td (investigation, about whether he can be relied on to tell the truth even \ under)Tj -18.315 -1.125 Td (adverse circumstances. An applicant's completion of a security questionn\ aire is the)Tj /Span<>> BDC ( )Tj EMC 33.392 0 Td (initial step in requesting a security)Tj -33.392 -1.125 Td (clearance. Because false or incomplete information given in the question\ naire is capable of affecting the way in which)Tj T* (assesses a person's suitability to hold a clearance, it is material. Mor\ eover, a false answer is material even if there is no)Tj T* (proof that it actually influenced an)Tj /Span<>> BDC ( )Tj EMC 14.05 0 Td (agency's investigatory functions.)Tj -14.05 -5.625 Td (However, to be disqualifying such omissions must have been made delibera\ tely.)Tj 0 0 1 rg 9.75 0 0 9.75 401.2422 128.25 Tm ( \(15\))Tj ET q 1 0 0 1 401.2422 127.5 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 419.9233 123.75 Tm ( Simple mistakes through)Tj -33.66 -1.125 Td (forgetfulness, confusion about the question, or lack of available inform\ ation do not indicate a defect in a person's)Tj T* (reliability or integrity. Further, it is important to note that I found \ Applicant's testimony at hearing to be forthright,)Tj T* (credible, and fully appreciative of the gravity of the government's conc\ erns. He also made a full disclosure of the)Tj T* (omitted debts when he was interviewed by a government investigator. As t\ o his negative answers to questions 38 and)Tj T* (39, he relies on his claim he did not know what else to disclose without\ his records available. It is plausible that an)Tj T* (individual of limited experience in this process would be so concerned a\ bout accuracy and completeness he might err, as)Tj ET EMC endstream endobj 61 0 obj <H-OI@N_10_)/S/GoTo>>/BS<>/Border[0 0 0]/PA<>/Rect[533.0 738.0 551.0 749.0]/Subtype/Link/Type/Annot>> endobj 62 0 obj <H-OI@N_11_)/S/GoTo>>/BS<>/Border[0 0 0]/PA<>/Rect[70.0 640.0 88.0 651.0]/Subtype/Link/Type/Annot>> endobj 63 0 obj <H-OI@N_12_)/S/GoTo>>/BS<>/Border[0 0 0]/PA<>/Rect[381.0 583.0 399.0 594.0]/Subtype/Link/Type/Annot>> endobj 64 0 obj <H-OI@N_13_)/S/GoTo>>/BS<>/Border[0 0 0]/PA<>/Rect[300.0 555.0 318.0 566.0]/Subtype/Link/Type/Annot>> endobj 65 0 obj <H-OI@N_14_)/S/GoTo>>/BS<>/Border[0 0 0]/PA<>/Rect[294.0 288.0 312.0 299.0]/Subtype/Link/Type/Annot>> endobj 66 0 obj <H-OI@N_15_)/S/GoTo>>/BS<>/Border[0 0 0]/PA<>/Rect[401.0 126.0 419.0 137.0]/Subtype/Link/Type/Annot>> endobj 16 0 obj <>/ProcSet[/PDF/Text]>>/StructParents 3/Type/Page>> endobj 67 0 obj [69 0 R 70 0 R 71 0 R 72 0 R] endobj 68 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 (yComputer/Desktop/DOHA%20transfer/DOHA-Kane/dodogc/doha/industrial/Archi\ ved%20-%20HTML/04-07137.h1.htm)Tj 50.019 0 Td ([7/2/2021 3:32:35 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 16 708 Tm (Along with two unpaid utility bills for the grocery store \(SOR \266\266\ 1.c and 1.f\), and the aforementioned repossession debt,)Tj 0 -1.125 TD (Applicant still owes about $21,000 for)Tj /Span<>> BDC ( )Tj EMC 15.637 0 Td (ten delinquent debts either charged-off or placed for collection during \ the time he)Tj -15.637 -1.375 Td (ran the grocery store \(SOR \266\266 1.b - 1.j, 1.n\).)Tj 0 0 1 rg 9.75 0 0 9.75 227.4941 682.5 Tm ( \(6\))Tj ET 0 0 1 RG 0.75 w q 1 0 0 1 227.4941 681.75 cm 0 0 m 13.806 0 l h S Q BT 0 g 12 0 0 12 241.3003 678 Tm ( When Applicant's business)Tj /Span<>> BDC ( )Tj EMC (failed and until sometime after he and his)Tj -18.775 -1.125 Td (moved, Applicant's initial inquiries with his creditors about possible s\ ettlement met only with demands for full)Tj /Span<>> BDC ( )Tj EMC 44.534 0 Td (payment.)Tj -44.534 -1.125 Td (However, in the past year, Applicant has received several offers of sett\ lement for partial payment. He intends to pursue)Tj T* (these offers and intends to)Tj /Span<>> BDC ( )Tj EMC 10.747 0 Td (obtain assistance from a credit counseling firm, actions he has heretofo\ re been unable to take)Tj -10.747 -1.125 Td (given his wife's circumstances.)Tj 0 -5.375 TD (After the grocery store failed, Applicant and his wife moved to his curr\ ent residence and each found work at the)Tj 0 -1.125 TD (shipyard, as well as Applicant's other full-time job. In late 2003 or ea\ rly 2004, Applicant's wife began a long course of)Tj T* (treatment for medical problems that eventually culminated in her death d\ ue to chronic renal failure and cardiovascular)Tj T* (collapse. From July 2004 until October 2005, Applicant was absent from h\ is shipyard job on Family and Medical Leave.)Tj T* (He)Tj /Span<>> BDC ( )Tj EMC (continued to work his other job during the day, but at reduced hours so \ he could care for his wife. Applicant owes)Tj T* (two unpaid medical bills related to his wife's)Tj /Span<>> BDC ( )Tj EMC 18.121 0 Td (treatment totaling about $1,800 \(SOR \266\266 1.k and 1.m\). As evidenc\ ed by the)Tj -18.121 -1.125 Td (absence of other reported delinquencies in his most recent credit report\ , his medical)Tj /Span<>> BDC ( )Tj EMC 33.71 0 Td (coverage through both his defense)Tj -33.71 -1.125 Td (contractor job and his second job kept up with the medical expenses. Add\ itionally, Applicant expects future)Tj 0 -1.375 TD (reimbursement)Tj /Span<>> BDC ( )Tj EMC 6.248 0 Td (from his outside employer's medical insurance company.)Tj 0 0 1 rg 9.75 0 0 9.75 364.0645 453 Tm ( \(7\))Tj ET q 1 0 0 1 364.0645 452.25 cm 0 0 m 13.806 0 l h S Q BT 0 g 12 0 0 12 377.8706 448.5 Tm ( Finally, Applicant also owes $184 for a cell)Tj -30.156 -1.125 Td (phone bill unpaid since at least March 2004 \(SOR \266 1.l\).)Tj /Span<>> BDC ( )Tj EMC 22.81 0 Td (He has not yet paid or otherwise resolved this debt.)Tj -22.81 -5.375 Td (Applicant submitted a security clearance application in March 2003. In r\ esponse to question 35 \(repossessions in the last)Tj 0 -1.125 TD (seven years\), question 38)Tj /Span<>> BDC ( )Tj EMC 10.358 0 Td (\(delinquencies longer than 180 days in the last seven years\), and ques\ tion 39 \(debts currently)Tj -10.358 -1.125 Td (greater than 90 days delinquent\), Applicant disclosed only that he)Tj /Span<>> BDC ( )Tj EMC 26.52 0 Td (was, at that time, more than 90 days late on a car loan.)Tj 0 0 1 rg 9.75 0 0 9.75 16 331.5 Tm (\(8\))Tj ET q 1 0 0 1 16 330.75 cm 0 0 m 11.369 0 l h S Q BT 0 g 12 0 0 12 27.3687 327 Tm ( Applicant acknowledged he should have listed the repossession of his da\ ughter's car in 1999, but asserts)Tj /Span<>> BDC ( )Tj EMC 42.171 0 Td (he did not)Tj -43.118 -1.125 Td (know what to list because he could not access his financial records. In \ support of this claim, Applicant cites the fact he)Tj T* (was still in a probationary)Tj /Span<>> BDC ( )Tj EMC 10.637 0 Td (status at the shipyard, his records were still in storage near his previ\ ous residence in another)Tj -10.637 -1.125 Td (state, and, because he could not take leave as a probationary)Tj /Span<>> BDC ( )Tj EMC 24.295 0 Td (employee, he could not access his records. Applicant also)Tj -24.295 -1.375 Td (asserts he told his company's security personnel he had some financial p\ roblems in his background.)Tj 0 0 1 rg 9.75 0 0 9.75 493.0527 274.5 Tm ( \(9\))Tj ET q 1 0 0 1 493.0527 273.75 cm 0 0 m 13.806 0 l h S Q BT 0 g 12 0 0 12 16 205.5 Tm (Applicant was interviewed by a Defense Security Service \(DSS\) agent in\ April 2004. The substance of the interview)Tj T* (was reduced to writing in a statement)Tj /Span<>> BDC ( )Tj EMC 15.19 0 Td (Applicant signed. It included a personal financial statement \(PFS\) whi\ ch did not)Tj -15.19 -1.125 Td (reflect any income other than his and his wife's from the shipyard. It a\ lso did)Tj /Span<>> BDC ( )Tj EMC 30.95 0 Td (not reflect any discussion of Applicant's)Tj -30.95 -1.125 Td (omissions from his SF 86.)Tj /TT1 1 Tf 15.628 -7.625 Td (POLICIES AND BURDEN OF PROOF)Tj ET 0 G q 1 0 0 1 203.5352 72.75 cm 0 0 m 204.68 0 l h S Q EMC endstream endobj 69 0 obj <H-OI@N_6_)/S/GoTo>>/BS<>/Border[0 0 0]/PA<>/Rect[227.0 680.0 241.0 691.0]/Subtype/Link/Type/Annot>> endobj 70 0 obj <H-OI@N_7_)/S/GoTo>>/BS<>/Border[0 0 0]/PA<>/Rect[364.0 450.0 378.0 461.0]/Subtype/Link/Type/Annot>> endobj 71 0 obj <H-OI@N_8_)/S/GoTo>>/BS<>/Border[0 0 0]/PA<>/Rect[16.0 329.0 27.0 340.0]/Subtype/Link/Type/Annot>> endobj 72 0 obj <H-OI@N_9_)/S/GoTo>>/BS<>/Border[0 0 0]/PA<>/Rect[493.0 272.0 507.0 283.0]/Subtype/Link/Type/Annot>> endobj 15 0 obj <>/ProcSet[/PDF/Text]>>/StructParents 2/Type/Page>> endobj 73 0 obj [75 0 R 76 0 R 77 0 R] endobj 74 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 (yComputer/Desktop/DOHA%20transfer/DOHA-Kane/dodogc/doha/industrial/Archi\ ved%20-%20HTML/04-07137.h1.htm)Tj 50.019 0 Td ([7/2/2021 3:32:35 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 12 0 0 12 248.8721 698.25 Tm (FINDINGS OF FACT)Tj ET 0.75 w q 1 0 0 1 248.8721 697.5 cm 0 0 m 114.006 0 l h S Q BT /TT0 1 Tf 12 0 0 12 16 633.75 Tm (After a thorough review of the pleadings, transcript, and exhibits, I ma\ ke the following essential findings of fact:)Tj 0 -5.375 TD (Applicant is 50 years old. In October 2002, he was hired by a defense co\ ntractor to work as a pipefitter at a Navy)Tj 0 -1.125 TD (shipyard. Sometime after he met with a)Tj /Span<>> BDC ( )Tj EMC 15.996 0 Td (government investigator for his subject interview in April 2004, Applica\ nt)Tj -15.996 -1.125 Td (began working a second full-time job as a heating and air conditioning m\ echanic. He)Tj /Span<>> BDC ( )Tj EMC 34.239 0 Td (works the night shift at the)Tj -34.239 -1.125 Td (shipyard. Applicant served in the U.S. Air Force from 1973 until his hon\ orable discharge in 1977. He held a secret)Tj T* (clearance during)Tj /Span<>> BDC ( )Tj EMC 6.885 0 Td (his enlistment. He was granted an interim clearance when he submitted hi\ s SF 86 and still holds that)Tj -6.885 -1.125 Td (access pending the outcome of this adjudication. Applicant)Tj /Span<>> BDC ( )Tj EMC 23.854 0 Td (requires at least a confidential clearance for unescorted)Tj -23.854 -1.125 Td (access when working aboard Navy ships.)Tj 0 -5.375 TD (Applicant has been married twice. His first marriage lasted from 1980 un\ til a divorce in 1995. He remarried in 1998, but)Tj 0 -1.125 TD (his second wife became seriously ill)Tj /Span<>> BDC ( )Tj EMC 14.718 0 Td (and passed away on October 13, 2005. Applicant has a 19-year-old son by \ his first)Tj -14.718 -1.125 Td (wife. Until about 2000, the boy lived with his mother and Applicant paid\ his)Tj /Span<>> BDC ( )Tj EMC 30.829 0 Td (ex-wife about $290 in child support each)Tj -30.829 -1.125 Td (month. At one point, Applicant fell behind in his payments and, as of Au\ gust 1998, owed an arrearage of about $2,888)Tj 0 -1.375 TD (\(SOR 1.a\).)Tj 0 0 1 rg 9.75 0 0 9.75 67.6621 371.25 Tm ( \(3\))Tj ET 0 0 1 RG q 1 0 0 1 67.6621 370.5 cm 0 0 m 13.806 0 l h S Q BT 0 g 12 0 0 12 81.4683 366.75 Tm ( )Tj (Applicant claims that debt was paid when his tax refunds were attached b\ y a collection agency. This is)Tj -5.456 -1.375 Td (corroborated by a March 2005 credit report)Tj /Span<>> BDC ( )Tj EMC 17.576 0 Td (that reflects this arrearage has been reduced to $298 \(SOR \266 1.n\).)Tj 0 0 1 rg 9.75 0 0 9.75 539.9043 354.75 Tm ( \(4\))Tj ET q 1 0 0 1 539.9043 354 cm 0 0 m 13.806 0 l h S Q BT 0 g 12 0 0 12 16 333.75 Tm (Applicant's son has lived with him since 2000.)Tj 0 0 1 rg 9.75 0 0 9.75 239.4707 338.25 Tm ( \(5\))Tj ET q 1 0 0 1 239.4707 337.5 cm 0 0 m 13.806 0 l h S Q BT 0 g 12 0 0 12 16 269.25 Tm (Applicant's second wife had a daughter from a previous marriage. In 1999\ , Applicant and his wife took out a loan to buy)Tj 0 -1.125 TD (a car for his step-daughter with the)Tj /Span<>> BDC ( )Tj EMC 14.189 0 Td (understanding the girl would make the monthly payments on a car loan App\ licant)Tj -14.189 -1.125 Td (and his wife obtained. He did not co-sign the loan or otherwise reduce t\ heir)Tj /Span<>> BDC ( )Tj EMC 30.408 0 Td (agreement to writing. She subsequently)Tj -30.408 -1.125 Td (stopped paying and the car was repossessed and later re-sold. Applicant \ is still obligated to pay the $11,000 deficiency)Tj T* (after re-sale, but has not made any payments toward this debt \(SOR \266\ 1.b\).)Tj 0 -5.375 TD (Before hiring on at the shipyard, Applicant and his wife lived in anothe\ r state. From 1995 until 2002, he worked as a)Tj 0 -1.125 TD (custodian, first at a hospital, then for the local school district. In J\ anuary 2002, Applicant and his wife tried to go into)Tj T* (business for themselves running a small grocery store. They invested sav\ ings from Applicant's 401K retirement fund)Tj T* (and obligated themselves to pay the building owner rent plus utilities, \ with any remaining proceeds theirs to keep.)Tj T* (Unfortunately, they underestimated the costs associated with the store; \ specifically, the monthly electric bills were)Tj T* (nearly triple what he had been led to believe)Tj /Span<>> BDC ( )Tj EMC 17.965 0 Td (when he took over the store. Having left his school district job to help\ his)Tj -17.965 -1.125 Td (wife run the store, Applicant soon fell behind on a number of debts and \ had to)Tj /Span<>> BDC ( )Tj EMC 31.52 0 Td (abandon the business in September 2002.)Tj -31.52 -1.125 Td (Some of the delinquencies in Applicant's credit report are personal acco\ unts totaling about $5,585, which )Tj 42.363 0 Td (Applicant)Tj /Span<>> BDC ( )Tj EMC 4.193 0 Td (had)Tj -46.556 -1.125 Td (held and kept current before the grocery store \(SOR \266\266 1.b, 1.d, \ 1.e, 1.g, 1.h, and 1.i\).)Tj ET EMC endstream endobj 75 0 obj <H-OI@N_3_)/S/GoTo>>/BS<>/Border[0 0 0]/PA<>/Rect[67.0 369.0 81.0 380.0]/Subtype/Link/Type/Annot>> endobj 76 0 obj <H-OI@N_4_)/S/GoTo>>/BS<>/Border[0 0 0]/PA<>/Rect[540.0 352.0 554.0 363.0]/Subtype/Link/Type/Annot>> endobj 77 0 obj <H-OI@N_5_)/S/GoTo>>/BS<>/Border[0 0 0]/PA<>/Rect[239.0 336.0 253.0 347.0]/Subtype/Link/Type/Annot>> endobj 14 0 obj <>/ProcSet[/PDF/Text]>>/StructParents 1/Type/Page>> endobj 78 0 obj [80 0 R 81 0 R] endobj 79 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 (yComputer/Desktop/DOHA%20transfer/DOHA-Kane/dodogc/doha/industrial/Archi\ ved%20-%20HTML/04-07137.h1.htm)Tj 50.019 0 Td ([7/2/2021 3:32:35 PM])Tj EMC ET 0.753 g 10 36 591.75 729.75 re f /Article <>BDC EMC /Article <>BDC BT 0 g 11.25 0 0 11.25 206.5201 747 Tm (Ray T. Blank, Esquire, Department Counsel)Tj /TT1 1 Tf 4.734 -5.667 Td (FOR APPLICANT)Tj /TT2 1 Tf 2.75 -2.2 Td (Pro Se)Tj /TT1 1 Tf 12 0 0 12 276.5312 567 Tm (SYNOPSIS)Tj ET 0.75 w q 1 0 0 1 276.5312 566.25 cm 0 0 m 58.688 0 l h S Q BT /TT0 1 Tf 12 0 0 12 16 502.5 Tm (Between 1999 and 2002, Applicant accrued nearly $22,000 in bad debt thro\ ugh a repossessed car and a failed small)Tj 0 -1.125 TD (business venture. Since 2002, Applicant has)Tj /Span<>> BDC ( )Tj EMC 17.886 0 Td (been steadily employed but has experienced additional debt problems)Tj -17.886 -1.125 Td (stemming from his wife's terminal illness through October 2005. As of th\ e hearing,)Tj /Span<>> BDC ( )Tj EMC 33.535 0 Td (Applicant was holding down two)Tj -33.535 -1.125 Td (full-time jobs to pay his debts, actions he had no time for while he car\ ed for his now-deceased wife. Applicant has)Tj T* (mitigated)Tj /Span<>> BDC ( )Tj EMC 4.027 0 Td (the related security concerns about his finances and personal conduct. C\ learance is granted.)Tj /TT1 1 Tf 13.531 -9.875 Td (STATEMENT OF THE CASE)Tj ET q 1 0 0 1 226.6914 329.25 cm 0 0 m 158.367 0 l h S Q BT /TT0 1 Tf 12 0 0 12 16 265.5 Tm (After reviewing the results of Applicant's background investigation, adj\ udicators for the Defense Office of Hearings and)Tj 0 -1.375 TD (Appeals \(DOHA\) were unable to make)Tj /Span<>> BDC ( )Tj EMC 15.883 0 Td (a preliminary affirmative finding)Tj 0 0 1 rg 9.75 0 0 9.75 364.873 253.5 Tm ( \(1\))Tj ET 0 0 1 RG q 1 0 0 1 364.873 252.75 cm 0 0 m 13.806 0 l h S Q BT 0 g 12 0 0 12 378.6792 249 Tm ( it is clearly consistent with the national)Tj -30.223 -1.125 Td (interest to give Applicant a security clearance. On June 17, 2005, DOHA \ issued an SOR to Applicant regarding facts in)Tj 0 -1.125 TD (his background that raise security concerns addressed in the Directive u\ nder Guideline F \(financial considerations\) and)Tj T* (Guideline E \(personal conduct\). 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