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He plays)Tj -32.165 -1.375 Td (racquetball and lift weights many)Tj /Span<>> BDC ( )Tj EMC 13.635 0 Td (evenings, instead of gambling.)Tj 0 0 1 rg 9.75 0 0 9.75 326.5879 549.75 Tm ( \(43\))Tj ET q 1 0 0 1 326.5879 549 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 345.269 545.25 Tm ( He continues to attend church and is more)Tj -27.439 -1.375 Td (interactive with his family.)Tj 0 0 1 rg 9.75 0 0 9.75 145.2988 533.25 Tm ( \(44\))Tj ET q 1 0 0 1 145.2988 532.5 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 16 461.25 Tm (Applicant has not stopped gambling completely.)Tj 0 0 1 rg 9.75 0 0 9.75 248.623 465.75 Tm ( \(45\))Tj ET q 1 0 0 1 248.623 465 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 267.3042 461.25 Tm ( He bets on horse races several times a year.)Tj 0 0 1 rg 9.75 0 0 9.75 479.2144 465.75 Tm ( \(46\))Tj ET q 1 0 0 1 479.2144 465 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 497.8955 461.25 Tm ( He limits the)Tj -40.158 -1.375 Td (amount of money he bets to $60.)Tj 0 0 1 rg 9.75 0 0 9.75 173.6406 449.25 Tm ( \(47\))Tj ET q 1 0 0 1 173.6406 448.5 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 192.3218 444.75 Tm ( His friend and)Tj /Span<>> BDC ( )Tj EMC (co-worker testified to a change in his behavior, especially towards)Tj -14.693 -1.375 Td (money.)Tj 0 0 1 rg 9.75 0 0 9.75 51.6602 432.75 Tm ( \(48\))Tj ET q 1 0 0 1 51.6602 432 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 70.3413 428.25 Tm ( When they first met, Applicant was always short of cash because of his \ debts, but)Tj /Span<>> BDC ( )Tj EMC 33.158 0 Td (since he has paid his)Tj -37.687 -1.375 Td (debts, he is no longer short of cash.)Tj 0 0 1 rg 9.75 0 0 9.75 185.6348 416.25 Tm ( \(49\))Tj ET q 1 0 0 1 185.6348 415.5 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 204.3159 411.75 Tm ( He was aware that Applicant was paying gambling debts and that he bets \ on)Tj -15.693 -1.375 Td (horse races)Tj /Span<>> BDC ( )Tj EMC (occasionally.)Tj 0 0 1 rg 9.75 0 0 9.75 135.6133 399.75 Tm ( \(50\))Tj ET q 1 0 0 1 135.6133 399 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 154.2944 395.25 Tm ( He describes Applicant as honest.)Tj 0 0 1 rg 9.75 0 0 9.75 319.5815 399.75 Tm ( \(51\))Tj ET q 1 0 0 1 319.5815 399 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 16 327.75 Tm (In September 2002, the police stopped Applicant for speeding.)Tj 0 0 1 rg 9.75 0 0 9.75 316.5918 332.25 Tm ( \(52\))Tj ET q 1 0 0 1 316.5918 331.5 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 335.2729 327.75 Tm ( When, the police officer smelled alcohol, he)Tj -26.606 -1.375 Td (performed several field sobriety tests.)Tj 0 0 1 rg 9.75 0 0 9.75 196.9375 315.75 Tm ( \(53\))Tj ET q 1 0 0 1 196.9375 315 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 215.6187 311.25 Tm ( He then)Tj /Span<>> BDC ( )Tj EMC (read Applicant his Miranda rights and arrested him for Driving Under)Tj -16.635 -1.375 Td (the Influence \(DUI\), but did not take him to the police station.)Tj 0 0 1 rg 9.75 0 0 9.75 314.2539 299.25 Tm ( \(54\))Tj ET q 1 0 0 1 314.2539 298.5 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 332.9351 294.75 Tm ( After a field breathalyzer)Tj /Span<>> BDC ( )Tj EMC 10.577 0 Td (test which indicated a)Tj -36.988 -1.125 Td (blood-alcohol level of .079, the police officer gave him a citation, ret\ urned his driver's license, and then released him to)Tj 0 -1.375 TD (go home in a)Tj /Span<>> BDC ( )Tj EMC 5.443 0 Td (cab.)Tj 0 0 1 rg 9.75 0 0 9.75 100.9727 269.25 Tm ( \(55\))Tj ET q 1 0 0 1 100.9727 268.5 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 119.6538 264.75 Tm ( Although he listed his 1981 DUI, he failed to list this arrest on his s\ ecurity clearance application.)Tj -8.638 -1.375 Td (Since he had not been detained, he did not believe he)Tj /Span<>> BDC ( )Tj EMC 21.493 0 Td (had been arrested, only cited for DUI.)Tj 0 0 1 rg 9.75 0 0 9.75 455.8398 252.75 Tm ( \(56\))Tj ET q 1 0 0 1 455.8398 252 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 474.521 248.25 Tm ( The court dismissed the)Tj -38.21 -1.375 Td (DUI.)Tj 0 0 1 rg 9.75 0 0 9.75 40.3281 236.25 Tm ( \(57\))Tj ET q 1 0 0 1 40.3281 235.5 cm 0 0 m 18.681 0 l h S Q BT 0 g /TT1 1 Tf 12 0 0 12 277.1992 140.25 Tm (POLICIES)Tj ET 0 G q 1 0 0 1 277.1992 139.5 cm 0 0 m 57.352 0 l h S Q BT /TT0 1 Tf 12 0 0 12 16 75.75 Tm (Enclosure 2 of the Directive sets forth adjudication guidelines which mu\ st be considered in the evaluation of security)Tj 0 -1.125 TD (suitability. An administrative judge need)Tj /Span<>> BDC ( )Tj EMC 16.552 0 Td (not view the adjudicative guidelines as inflexible ironclad rules of law\ . Instead,)Tj -16.552 -1.125 Td (acknowledging the complexities of human behavior, these guidelines, when\ )Tj /Span<>> BDC ( )Tj EMC 30.575 0 Td (applied in conjunction with the factors set)Tj ET EMC endstream endobj 70 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[458.0 676.0 476.0 687.0]/Subtype/Link/Type/Annot>> endobj 71 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[214.0 660.0 232.0 671.0]/Subtype/Link/Type/Annot>> endobj 72 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[309.0 643.0 327.0 654.0]/Subtype/Link/Type/Annot>> endobj 73 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[43.0 627.0 61.0 638.0]/Subtype/Link/Type/Annot>> endobj 74 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[430.0 627.0 448.0 638.0]/Subtype/Link/Type/Annot>> endobj 75 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[58.0 610.0 76.0 621.0]/Subtype/Link/Type/Annot>> endobj 76 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[562.0 610.0 580.0 621.0]/Subtype/Link/Type/Annot>> endobj 77 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[204.0 594.0 222.0 605.0]/Subtype/Link/Type/Annot>> 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0.75 18.751 l 0 19.5 l h f Q 0.502 g q 1 0 0 1 593.4996 143.2503 cm 0 0 m 0 -18 l 0.751 -18.751 l 0.751 0.75 l h f Q /Article <>BDC EMC /Article <>BDC q 10 36 592 730 re W n BT 0 g 12 0 0 12 16 755.25 Tm (hearing was held on December 15, 2005. Fifteen Government Exhibits, four\ Applicant)Tj /Span<>> BDC ( )Tj EMC 34.908 0 Td (Exhibits, and one Joint Exhibit)Tj ET Q BT 0 g 12 0 0 12 16 741.75 Tm (were admitted into evidence. Applicant and one witness testified. The he\ aring transcript was received on January 9,)Tj 0 -1.125 TD (2006.)Tj /TT1 1 Tf 19.406 -7.625 Td (FINDINGS OF FACT)Tj ET 0.75 w q 1 0 0 1 248.8721 636 cm 0 0 m 114.006 0 l h S Q BT /TT0 1 Tf 12 0 0 12 16 569.25 Tm (Applicant admitted, with explanation, the allegations in subparagraphs 1\ .c., 1.f. and 2.a. through 2.c. of the SOR.)Tj 0 0 1 rg 9.75 0 0 9.75 558.543 573.75 Tm ( \(2\))Tj ET 0 0 1 RG q 1 0 0 1 558.543 573 cm 0 0 m 13.806 0 l h S Q BT 0 g 12 0 0 12 16 555.75 Tm (Those admissions are incorporated here as)Tj /Span<>> BDC ( )Tj EMC 17.216 0 Td (findings of fact. He denied the remaining allegations. After a complete)Tj -17.216 -1.125 Td (review of the evidence in the record and upon due consideration, I make \ the following)Tj /Span<>> BDC ( )Tj EMC 34.766 0 Td (additional findings of fact:)Tj -34.766 -5.625 Td (Applicant is a 58-year-old financial analyst for a defense contractor.)Tj 0 0 1 rg 9.75 0 0 9.75 343.1934 479.25 Tm ( \(3\))Tj ET q 1 0 0 1 343.1934 478.5 cm 0 0 m 13.806 0 l h S Q BT 0 g 12 0 0 12 356.9995 474.75 Tm ( He has worked for this contractor for more than)Tj -28.417 -1.375 Td (twenty-four years.)Tj 0 0 1 rg 9.75 0 0 9.75 103.9668 462.75 Tm ( \(4\))Tj ET q 1 0 0 1 103.9668 462 cm 0 0 m 13.806 0 l h S Q BT 0 g 12 0 0 12 117.7729 458.25 Tm ( He completed a)Tj /Span<>> BDC ( )Tj EMC 6.775 0 Td (security clearance application \(SF 86\) in December 2001.)Tj 0 0 1 rg 9.75 0 0 9.75 475.6343 462.75 Tm ( \(5\))Tj ET q 1 0 0 1 475.6343 462 cm 0 0 m 13.806 0 l h S Q BT 0 g 12 0 0 12 16 429.75 Tm (Applicant received a Bachelor of Science degree in 1974 from a major uni\ versity in the United States \(U.S.\).)Tj 0 0 1 rg 9.75 0 0 9.75 538.498 434.25 Tm ( \(6\))Tj ET q 1 0 0 1 538.498 433.5 cm 0 0 m 13.806 0 l h S Q BT 0 g 12 0 0 12 552.3042 429.75 Tm ( He)Tj -44.692 -1.375 Td (married in 1993.)Tj 0 0 1 rg 9.75 0 0 9.75 95.6465 417.75 Tm ( \(7\))Tj ET q 1 0 0 1 95.6465 417 cm 0 0 m 13.806 0 l h S Q BT 0 g 12 0 0 12 109.4526 413.25 Tm ( He and his wife divorced in)Tj /Span<>> BDC ( )Tj EMC 11.58 0 Td (1998.)Tj 0 0 1 rg 9.75 0 0 9.75 275.4136 417.75 Tm ( \(8\))Tj ET q 1 0 0 1 275.4136 417 cm 0 0 m 13.806 0 l h S Q BT 0 g 12 0 0 12 289.2197 413.25 Tm ( He has two daughters and seven grandchildren.)Tj 0 0 1 rg 9.75 0 0 9.75 519.1475 417.75 Tm ( \(9\))Tj ET q 1 0 0 1 519.1475 417 cm 0 0 m 13.806 0 l h S Q BT 0 g 12 0 0 12 16 348.75 Tm (As part of his divorce settlement in 1998, Applicant assumed responsibil\ ity for payment of $30,000 of credit card and)Tj 0 -1.375 TD (other marital debt.)Tj 0 0 1 rg 9.75 0 0 9.75 104.3008 336.75 Tm ( \(10\))Tj ET q 1 0 0 1 104.3008 336 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 122.9819 332.25 Tm ( Subsequent to his)Tj /Span<>> BDC ( )Tj EMC (divorce, he became depressed, started gambling, and isolated himself.)Tj 0 0 1 rg 9.75 0 0 9.75 548.8706 336.75 Tm ( \(11\))Tj ET q 1 0 0 1 548.8706 336 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 567.5518 332.25 Tm ( He)Tj -45.963 -1.375 Td (incurred additional gambling debts totaling $20,000.)Tj 0 0 1 rg 9.75 0 0 9.75 268.2871 320.25 Tm ( \(12\))Tj ET q 1 0 0 1 268.2871 319.5 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 286.9683 315.75 Tm ( Thus, by 2001, Applicant had)Tj /Span<>> BDC ( )Tj EMC 12.387 0 Td (incurred debt totaling nearly)Tj -34.968 -1.375 Td ($50,000. By October 2003, he still owed about $15,000-$20,000, much of w\ hich has been paid.)Tj 0 0 1 rg 9.75 0 0 9.75 474.9238 303.75 Tm ( \(13\))Tj ET q 1 0 0 1 474.9238 303 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 493.605 299.25 Tm ( His debts listed in)Tj -39.8 -1.125 Td (the SOR are as)Tj /Span<>> BDC ( )Tj EMC (follows:)Tj 0.25 -4.625 Td (SOR \266)Tj 4.375 0 Td (DEBT-TYPE)Tj 14.813 0 Td (DEBT-AMOUNT)Tj 11.313 0 Td (CURRENT STATUS)Tj -30.5 -1.437 Td (1.a.)Tj 4.375 0 Td (electric bill)Tj 0 0 1 rg 9.75 0 0 9.75 125.8047 214.5 Tm ( \(14\))Tj ET q 1 0 0 1 125.8047 213.75 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 249.25 213 Tm ($97)Tj 0 0 1 rg 9.75 0 0 9.75 267.25 214.5 Tm ( \(15\))Tj ET q 1 0 0 1 267.25 213.75 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 385 213 Tm (Paid September 17, 2003)Tj 0 0 1 rg 9.75 0 0 9.75 505.6504 214.5 Tm ( \(16\))Tj ET q 1 0 0 1 505.6504 213.75 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 19 192.75 Tm (1.b.)Tj 4.375 0 Td (credit card \(divorce\))Tj 0 0 1 rg 9.75 0 0 9.75 169.4395 194.25 Tm ( \(17\))Tj ET q 1 0 0 1 169.4395 193.5 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 249.25 192.75 Tm ($6,585)Tj 0 0 1 rg 9.75 0 0 9.75 282.25 194.25 Tm ( \(18\))Tj ET q 1 0 0 1 282.25 193.5 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 385 192.75 Tm (Paid May 20, 2005)Tj 0 0 1 rg 9.75 0 0 9.75 476.3301 194.25 Tm ( \(19\))Tj ET q 1 0 0 1 476.3301 193.5 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 19 172.5 Tm (1.c.)Tj 4.375 0 Td (credit card)Tj 0 0 1 rg 9.75 0 0 9.75 122.4648 174 Tm ( \(20\))Tj ET q 1 0 0 1 122.4648 173.25 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 249.25 172.5 Tm ($1,880)Tj 0 0 1 rg 9.75 0 0 9.75 282.25 174 Tm ( \(21\))Tj ET q 1 0 0 1 282.25 173.25 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 385 172.5 Tm (Unpaid)Tj 0 0 1 rg 9.75 0 0 9.75 420.3262 174 Tm ( \(22\))Tj ET q 1 0 0 1 420.3262 173.25 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 19 152.25 Tm (1.d.)Tj 4.375 0 Td (credit card/loan)Tj 0 0 1 rg 9.75 0 0 9.75 146.459 153.75 Tm ( \(23\))Tj ET q 1 0 0 1 146.459 153 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 249.25 152.25 Tm ($6,945)Tj 0 0 1 rg 9.75 0 0 9.75 282.25 153.75 Tm ( \(24\))Tj ET q 1 0 0 1 282.25 153 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 385 152.25 Tm (Paid May 5, 2003)Tj 0 0 1 rg 9.75 0 0 9.75 470.3301 153.75 Tm ( \(25\))Tj ET q 1 0 0 1 470.3301 153 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 19 132 Tm (1.e.)Tj 4.375 0 Td (loan)Tj 0 0 1 rg 9.75 0 0 9.75 92.1602 133.5 Tm ( \(26\))Tj ET q 1 0 0 1 92.1602 132.75 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 249.25 132 Tm ($2,273)Tj 0 0 1 rg 9.75 0 0 9.75 282.25 133.5 Tm ( \(27\))Tj ET q 1 0 0 1 282.25 132.75 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 385 132 Tm (Paid July 4, 2004)Tj 0 0 1 rg 9.75 0 0 9.75 468.3379 133.5 Tm ( \(28\))Tj ET q 1 0 0 1 468.3379 132.75 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 16 70.5 Tm (As of the hearing, he still owed approximately $2,700 in debt.)Tj 0 0 1 rg 9.75 0 0 9.75 313.6035 75 Tm ( \(29\))Tj ET q 1 0 0 1 313.6035 74.25 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 332.2847 70.5 Tm ( This includes credit card debt of $300 and a loan of)Tj -26.357 -1.375 Td ($656, which are not listed on the SOR.)Tj 0 0 1 rg 9.75 0 0 9.75 202.3105 58.5 Tm ( \(30\))Tj ET q 1 0 0 1 202.3105 57.75 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 220.9917 54 Tm (He)Tj /Span<>> BDC ( )Tj EMC (did not file for bankruptcy as a method of paying his debt. Applicant)Tj 0 0 1 rg 9.75 0 0 9.75 384.9355 42 Tm ( \(31\))Tj ET q 1 0 0 1 384.9355 41.25 cm 0 0 m 18.681 0 l h S Q EMC endstream endobj 96 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[558.0 571.0 572.0 582.0]/Subtype/Link/Type/Annot>> endobj 97 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[343.0 477.0 357.0 488.0]/Subtype/Link/Type/Annot>> endobj 98 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[104.0 460.0 118.0 471.0]/Subtype/Link/Type/Annot>> endobj 99 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[475.0 460.0 489.0 471.0]/Subtype/Link/Type/Annot>> endobj 100 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[538.0 432.0 552.0 443.0]/Subtype/Link/Type/Annot>> endobj 101 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[96.0 415.0 110.0 426.0]/Subtype/Link/Type/Annot>> endobj 102 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[275.0 415.0 289.0 426.0]/Subtype/Link/Type/Annot>> endobj 103 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[519.0 415.0 533.0 426.0]/Subtype/Link/Type/Annot>> endobj 104 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[104.0 334.0 122.0 345.0]/Subtype/Link/Type/Annot>> endobj 105 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[549.0 334.0 567.0 345.0]/Subtype/Link/Type/Annot>> endobj 106 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[268.0 318.0 286.0 329.0]/Subtype/Link/Type/Annot>> endobj 107 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[474.0 301.0 492.0 312.0]/Subtype/Link/Type/Annot>> endobj 108 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[126.0 212.0 144.0 223.0]/Subtype/Link/Type/Annot>> endobj 109 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[267.0 212.0 285.0 223.0]/Subtype/Link/Type/Annot>> endobj 110 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[505.0 212.0 523.0 223.0]/Subtype/Link/Type/Annot>> endobj 111 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[169.0 192.0 187.0 203.0]/Subtype/Link/Type/Annot>> endobj 112 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[282.0 192.0 300.0 203.0]/Subtype/Link/Type/Annot>> endobj 113 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[476.0 192.0 494.0 203.0]/Subtype/Link/Type/Annot>> endobj 114 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[122.0 171.0 140.0 182.0]/Subtype/Link/Type/Annot>> endobj 115 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[282.0 171.0 300.0 182.0]/Subtype/Link/Type/Annot>> endobj 116 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[420.0 171.0 438.0 182.0]/Subtype/Link/Type/Annot>> endobj 117 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[146.0 151.0 164.0 162.0]/Subtype/Link/Type/Annot>> endobj 118 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[282.0 151.0 300.0 162.0]/Subtype/Link/Type/Annot>> endobj 119 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[470.0 151.0 488.0 162.0]/Subtype/Link/Type/Annot>> endobj 120 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[92.0 131.0 110.0 142.0]/Subtype/Link/Type/Annot>> endobj 121 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[282.0 131.0 300.0 142.0]/Subtype/Link/Type/Annot>> endobj 122 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[468.0 131.0 486.0 142.0]/Subtype/Link/Type/Annot>> endobj 123 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[313.0 72.0 331.0 83.0]/Subtype/Link/Type/Annot>> endobj 124 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[202.0 56.0 220.0 67.0]/Subtype/Link/Type/Annot>> endobj 125 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[384.0 39.0 402.0 50.0]/Subtype/Link/Type/Annot>> endobj 52 0 obj [126 0 R] 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 (yComputer/Desktop/DOHA%20transfer/DOHA-Kane/dodogc/doha/industrial/Archi\ ved%20-%20HTML/04-07360.h1.htm)Tj 50.019 0 Td ([7/2/2021 3:32:55 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 11.25 251.0312 756 Tm (FOR GOVERNMENT)Tj ET Q BT 0 g 11.25 0 0 11.25 197.9316 731.25 Tm (Jennifer I. Campbell, Esq., Department Counsel)Tj /TT1 1 Tf 5.498 -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 551.25 Tm (SYNOPSIS)Tj ET 0.75 w q 1 0 0 1 276.5312 550.5 cm 0 0 m 58.688 0 l h S Q BT /TT0 1 Tf 12 0 0 12 16 486.75 Tm (Applicant, a 58-year-old financial analyst, became very depressed after \ his divorce and began gambling. Between his)Tj 0 -1.125 TD (marital debts and his gambling debts, he)Tj /Span<>> BDC ( )Tj EMC 16.386 0 Td (owed nearly $50,000 in 2001. Without filing bankruptcy, he has resolved \ most)Tj -16.386 -1.125 Td (of this debt. He currently owes $2,700. He has quit his casino gambling,\ )Tj /Span<>> BDC ( )Tj EMC 29.134 0 Td (although he continues to bet on the horses)Tj -29.134 -1.125 Td (occasionally. He changed his lifestyle to include more family, church an\ d physical activities. He has refuted the)Tj T* (government's case under Guideline E and mitigated the government's conce\ rns under Guideline F, regarding a security)Tj T* (clearance. Clearance is granted.)Tj /TT1 1 Tf 17.558 -7.625 Td (STATEMENT OF THE CASE)Tj ET q 1 0 0 1 226.6914 327 cm 0 0 m 158.367 0 l h S Q BT /TT0 1 Tf 12 0 0 12 16 263.25 Tm (On June 15, 2005, the Defense Office of Hearings and Appeals \(DOHA\), p\ ursuant to Executive Order 10865,)Tj /TT2 1 Tf T* (Safeguarding Classified Information Within)Tj /Span<>> BDC ( )Tj EMC 17.833 0 Td (Industry)Tj /TT0 1 Tf (, dated February 20, 1960, as amended and modified, and)Tj -17.833 -1.125 Td (Department of Defense Directive 5220.6, )Tj /TT2 1 Tf 16.799 0 Td (Defense Industrial Security Clearance Review)Tj /Span<>> BDC ( )Tj EMC 18.745 0 Td (Program )Tj /TT0 1 Tf (\(Directive\), dated)Tj -35.544 -1.125 Td (January 2, 1992, as amended and modified, issued a Statement of Reasons \ \(SOR\) to Applicant. The SOR detailed)Tj T* (reasons why)Tj /Span<>> BDC ( )Tj EMC (DOHA could not make the preliminary affirmative finding under the Direct\ ive that it is clearly consistent)Tj T* (with the national interest to grant or continue a)Tj /Span<>> BDC ( )Tj EMC 18.967 0 Td (security clearance for Applicant. Specifically, the SOR set forth securi\ ty)Tj -18.967 -1.125 Td (concerns arising under Guideline F, Financial Considerations, and Guidel\ ine E,)Tj /Span<>> BDC ( )Tj EMC 32.021 0 Td (Personal Conduct, of the Directive.)Tj -32.021 -1.125 Td (DOHA recommended the case be referred to an administrative judge to dete\ rmine whether a clearance should be)Tj T* (granted,)Tj /Span<>> BDC ( )Tj EMC 3.499 0 Td (continued, denied, or revoked. On July 6, 2005, Applicant submitted a no\ tarized response to the allegations. He)Tj -3.499 -1.125 Td (did not indicate a preference for a hearing or a)Tj /Span<>> BDC ( )Tj EMC 18.768 0 Td (decision on the record. On August 18, 2005, he submitted a request for a\ )Tj -18.768 -1.375 Td (hearing.)Tj 0 0 1 rg 9.75 0 0 9.75 54.9824 129.75 Tm ( \(1\))Tj ET 0 0 1 RG q 1 0 0 1 54.9824 129 cm 0 0 m 13.806 0 l h S Q BT 0 g 12 0 0 12 16 60.75 Tm (This matter was assigned to me on November 21, 2005. A notice of hearing\ was issued on November 22, 2005 for a)Tj T* (hearing to be held on December 16, 2005.)Tj /Span<>> BDC ( )Tj EMC 17.05 0 Td (An amended notice of hearing was issued on December 14, 2005, and a)Tj ET EMC endstream endobj 54 0 obj <> endobj 127 0 obj <> endobj 128 0 obj <>stream H\n0<"xP6i,LR ,Dtz7ݮ mc vxy͡<7huYU_<~kY[]ػ0|fnpRzx)vn|7oRoy0WLs4}kǡn,aoY5KUZdKlkUfiHd/K?Ӑ| .%ؓ=X'߃YDMO_ 0{QY#fYaVfYM&p֔Lg<<+Y JpV} %Q*{T:+ gYpV:+ gYpV:phԽSݦ  ~p);`F endstream endobj 129 0 obj <>stream H|XT3",]ĊņQ1KH(Q)X+EDņbuQ,OLo}dܙ3sw@}HА۴ng ##`SnDG*g튘¾h`axܤrGi?@舨GSvcC;pwl|bRZ 7&2[I {%ǫGGG٫oq8%aDS* 6= qP u,@ ~ 庾?@B JbIy+f@/5-5Bfm@Šj+"*ŃGؘ$d 5_$&؊Jz]\4thԸISheO5oѲUk6m۵ѿS.]ti`Ϡ^|~_eHWAа3 &M)S%OeFYS3͜5E,^V\:gu7lmڼe+n۾#o{G +:^|ӥgΞ; .^*|5qSoeJ-T(ԊAmE!4Q:͡5tް,Dh# „B0O8)<^FFJUi=_H $, I)X*sTRUgW U b&BkuԺhhk%msmKm_m6K䥑AV&{MeoAd9EN 5rK.Y|C~3gLiA:nn._g 6fw9ReXLM4R8LZGeTXN$Di\aP&TsSj=33!R{aRO*J5cԉ,u0M&gΡ=pmT_p!KΑ|P9\~3s_NK骷jV;s^>j+=$D툺Zp%fnf3f@MY͙JW.6O}S'SG$|j|PMKKkƍ֕ wXc~FoCC!o3547h M n?WM]}>N7wAzoV{)1Jn]4lGWVv2l;'ŋ:`\0_%p k_^z׋[m -"e-kvfwW-[a1SaB A T<%fA&dJ 9̅ E.=U^Kx k!NA la Y '43p#p`; 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Tr. at 33, 35.)Tj T* (42. )Tj /TT1 1 Tf (Id)Tj /TT0 1 Tf (. at 38-39.)Tj T* (43. )Tj /TT1 1 Tf (Id)Tj /TT0 1 Tf (. at 38.)Tj T* (44. )Tj /TT1 1 Tf (Id)Tj /TT0 1 Tf (. at 35, 37-38.)Tj T* (45. )Tj /TT1 1 Tf (Id)Tj /TT0 1 Tf (. at 33-34.)Tj ET EMC endstream endobj 135 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/04-07360.h1.htm)Tj 50.019 0 Td ([7/2/2021 3:32:55 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 (In light of all of the circumstances presented by the record in this cas\ e, it is clearly consistent with the national interest)Tj ET Q BT 0 g 12 0 0 12 16 741.75 Tm (to grant a security clearance for)Tj /Span<>> BDC ( )Tj EMC 12.882 0 Td (Applicant. Clearance is granted.)Tj 8.261 -9.875 Td (Mary E. Henry)Tj -1.278 -2.125 Td (Administrative Judge)Tj -19.865 -2.125 Td (1. )Tj (During the process of scheduling a hearing, Applicant asked about having\ his case decided administratively. He,)Tj 0 -1.125 TD (however, never filed a written request for an)Tj /Span<>> BDC ( )Tj EMC 18.02 0 Td (administrative decision.)Tj -18.02 -2.125 Td (2. )Tj (Applicant's Response to SOR with attachments, dated July 6, 2005, at 1-2\ .)Tj 0 -2.125 TD (3. )Tj (Government Exhibit 1 \(Security clearance application, dated August 20, \ 2003\) at 1.)Tj T* (4. )Tj /TT1 1 Tf (Id)Tj /TT0 1 Tf (. at 2)Tj T* (5. )Tj /TT1 1 Tf (Id)Tj /TT0 1 Tf (. at 1.)Tj T* (6. )Tj /TT1 1 Tf (Id)Tj /TT0 1 Tf (. at 2.)Tj T* (7. )Tj /TT1 1 Tf (Id)Tj /TT0 1 Tf (.)Tj T* (8. )Tj /TT1 1 Tf (Id)Tj /TT0 1 Tf (.)Tj T* (9. )Tj /TT1 1 Tf (Id)Tj /TT0 1 Tf (. at 4; Tr. at 18.)Tj T* (10. )Tj (Tr. at 12; Government Exhibit 2 \(Applicant's signed statement, dated Oc\ tober 21, 2003\) at 3.)Tj T* (11. )Tj (Government Exhibit 2, )Tj /TT1 1 Tf 10.943 0 Td (supra)Tj /TT0 1 Tf ( note 10, at 3; Tr. at 33.)Tj -10.943 -2.125 Td (12. )Tj (Tr. at 12.)Tj T* (13. )Tj (Government Exhibit 2, )Tj /TT1 1 Tf 10.943 0 Td (supra)Tj /TT0 1 Tf ( note 10, at 3; Government Exhibit 3 \(Credit Report, dated August 29, 2\ 003\) at 1.)Tj -10.943 -2.125 Td (14. )Tj (Tr. at 20; Government Exhibit 3, )Tj /TT1 1 Tf 14.886 0 Td (supra)Tj /TT0 1 Tf ( note 13, at 7.)Tj -14.886 -2.125 Td (15. )Tj /TT1 1 Tf (Id)Tj /TT0 1 Tf (.)Tj T* (16. )Tj (Applicant Exhibit A \(Copy of bank draft, dated September 17, 2003\); Go\ vernment Exhibit 2, )Tj /TT1 1 Tf 39.02 0 Td (supra)Tj /TT0 1 Tf ( note 10, at 1.)Tj -39.02 -2.125 Td (17. )Tj (Tr. at 22-23.)Tj T* (18. )Tj (Government Exhibit 11 \(Court garnishment papers, dated August 4, 2003\)\ ; Government Exhibit 2, )Tj /TT1 1 Tf 41.215 0 Td (supra)Tj /TT0 1 Tf ( note 10, at)Tj -41.215 -1.125 Td (2; Government Exhibit 3, )Tj /TT1 1 Tf 10.471 0 Td (supra)Tj /TT0 1 Tf ( note)Tj /Span<>> BDC ( )Tj EMC (13, at 4.)Tj -10.471 -2.125 Td (19. )Tj (Applicant Exhibit B \(Court Satisfaction of Judgment papers, dated May 2\ 0, 2005\).)Tj T* (20. )Tj (Tr. at 24; Government Exhibit 9 \(Statement of debt owed, dated May 20, \ 2003\).)Tj ET EMC endstream endobj 134 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/04-07360.h1.htm)Tj 50.019 0 Td ([7/2/2021 3:32:55 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 12 248.374 721.5 Tm (FORMAL FINDINGS)Tj ET 0.75 w q 1 0 0 1 248.374 720.75 cm 0 0 m 115.002 0 l h S Q BT /TT0 1 Tf 12 0 0 12 16 657 Tm (Formal findings For or Against Applicant on the allegations set forth in\ the SOR, as required by Section E3.1.25 of)Tj 0 -1.125 TD (Enclosure 3 of the Directive, are:)Tj 0 -5.375 TD (Paragraph 1, Guideline F \(Financial Considerations\): FOR APPLICANT)Tj T* (Subparagraph 1.a: )Tj 7.525 0 Td (For Applicant)Tj -7.525 -2.125 Td (Subparagraph 1.b: )Tj 7.582 0 Td (For Applicant)Tj -7.582 -2.125 Td (Subparagraph 1.c: )Tj 7.525 0 Td (For Applicant)Tj -7.525 -2.125 Td (Subparagraph 1.d: )Tj 7.582 0 Td (For Applicant)Tj -7.582 -2.125 Td (Subparagraph 1.e: )Tj 7.525 0 Td (For Applicant)Tj -7.525 -2.125 Td (Subparagraph 1.f: )Tj (For Applicant)Tj T* (Paragraph 2, Guideline E \(Personal Conduct\): )Tj 18.634 0 Td (FOR APPLICANT)Tj -18.634 -5.375 Td (Subparagraph 2.a: )Tj 7.525 0 Td (For Applicant)Tj -7.525 -2.125 Td (Subparagraph 2.b: )Tj 7.582 0 Td (For Applicant)Tj -7.582 -2.125 Td (Subparagraph 2.c: )Tj 7.525 0 Td (For Applicant)Tj -7.525 -2.125 Td (Subparagraph 2.d: )Tj 7.582 0 Td (For Applicant)Tj /TT1 1 Tf 14.102 -7.625 Td (DECISION)Tj ET q 1 0 0 1 276.2002 89.25 cm 0 0 m 59.35 0 l h S Q EMC endstream endobj 132 0 obj [137 0 R 138 0 R] endobj 133 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/04-07360.h1.htm)Tj 50.019 0 Td ([7/2/2021 3:32:55 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 16 741.75 Tm (The government has established its case as to allegations 2.a. through 2\ .c. under Guideline E. Personal Conduct)Tj 0 -1.125 TD (Disqualifying Conditions \(PC DC\) E2.A5.1.2.4)Tj /Span<>> BDC ( )Tj EMC 19.25 0 Td (\()Tj /TT1 1 Tf (Personal conduct ... that increases an individual's vulnerability to)Tj -19.25 -1.125 Td (coercion, exploitation or duress,...)Tj /TT0 1 Tf 13.776 0 Td (\) applies. Applicant developed a serious gambling)Tj /Span<>> BDC ( )Tj EMC 20.272 0 Td (problem after his divorce in 1998.)Tj -34.048 -1.125 Td (Because of this problem, he ignored his bills and significantly increase\ d his debt. His conduct left him vulnerable to)Tj T* (coercion,)Tj /Span<>> BDC ( )Tj EMC 3.942 0 Td (exploitation or duress.)Tj -3.942 -5.375 Td (I considered all the Personal Conduct Mitigating Conditions \(PC MC\), a\ nd conclude that PC MC E2.A5.1.3.5 \()Tj /TT1 1 Tf 44.523 0 Td (The)Tj -44.523 -1.125 Td (individual has taken positive steps to)Tj /Span<>> BDC ( )Tj EMC 14.998 0 Td (significantly reduce or eliminate vulnerability to coercion, exploitatio\ n, or duress)Tj /TT0 1 Tf 32.688 0 Td (\).)Tj -47.687 -1.125 Td (By paying off ninety-five per cent of his debt, Applicant has substantia\ lly eliminated his vulnerability to coercion,)Tj T* (exploitation or duress. He has changed his after work life style to a mu\ ch healthier one which includes exercise and)Tj T* (more family time. He continues to practice his faith which gives him the\ internal strength and emotional support he)Tj T* (needs to control his gambling. It has also helped to resolve his problem\ s with depression. The fact that he has paid most)Tj T* (of his large debt without filing bankruptcy shows he can manage his gamb\ ling)Tj /Span<>> BDC ( )Tj EMC 31.577 0 Td (desires. In addition, by self-excluding)Tj -31.577 -1.125 Td (himself with the casinos, he has made it more difficult to access casino\ gambling, the source of his large gambling debt.)Tj T* (While he still bets on the horses occasionally, he manages this limited \ amount of betting effectively. With his current)Tj T* (lifestyle, he is not vulnerable to coercion,)Tj /Span<>> BDC ( )Tj EMC 16.8 0 Td (exploitation or duress. He has mitigated the government's concerns as to\ )Tj -16.8 -1.125 Td (allegations 2.a. through 2.c. of Guideline E.)Tj 0 -5.375 TD (The Applicant has controverted the government's allegation of falsificat\ ion under Guideline E, subparagraph 2.d. of the)Tj 0 -1.125 TD (SOR. When a falsification allegation is)Tj /Span<>> BDC ( )Tj EMC 15.913 0 Td (controverted, the government has the burden of proving it. Proof of an o\ mission,)Tj -15.913 -1.125 Td (standing alone, does not establish or prove an applicant's intent or sta\ te of)Tj /Span<>> BDC ( )Tj EMC 29.729 0 Td (mind when the omission occurred. An)Tj -29.729 -1.125 Td (administrative judge must consider the record evidence as a whole to det\ ermine whether there is direct or circumstantial)Tj 0 -1.375 TD (evidence concerning an applicant's intent or state of mind at the time t\ he omissions occurred.)Tj 0 0 1 rg 9.75 0 0 9.75 462.3555 371.25 Tm ( \(67\))Tj ET 0 0 1 RG 0.75 w q 1 0 0 1 462.3555 370.5 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 16 302.25 Tm (The government has not established its case under Guideline E subparagra\ ph 2.d. The government alleges that)Tj 0 -1.125 TD (Applicant falsified material facts on his latest)Tj /Span<>> BDC ( )Tj EMC 18.411 0 Td (security clearance application when he failed to list his arrest for DUI\ in)Tj -18.411 -1.125 Td (September, 2002. For Personal Conduct Disqualifying Conditions \(PC DC\)\ )Tj /Span<>> BDC ( )Tj EMC 30.416 0 Td (E2.A5.1.2.2. \()Tj /TT1 1 Tf (The deliberate omission,)Tj -30.416 -1.125 Td (concealment, or falsification of relevant and material facts from any pe\ rsonnel security questionnaire..)Tj /TT0 1 Tf 41.244 0 Td (.\) and PC DC)Tj -41.244 -1.125 Td (E2.A5.1.2.3. \()Tj /TT1 1 Tf (Deliberately providing false or misleading information concerning releva\ nt and material matters to an)Tj T* (investigator...)Tj /TT0 1 Tf 5.527 0 Td (\) to apply, the government)Tj /Span<>> BDC ( )Tj EMC 10.831 0 Td (must establish that Applicant's omission, concealment or falsification i\ n regards)Tj -16.358 -1.375 Td (to the 2002 arrest was a relevant and material fact and was deliberate.)Tj 0 0 1 rg 9.75 0 0 9.75 350.1836 222.75 Tm ( \(68\))Tj ET q 1 0 0 1 350.1836 222 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 368.8647 218.25 Tm ( He listed his 1981 DWI arrest, his court)Tj -29.405 -1.125 Td (judgments, and his unpaid debts, but did not list the 2002 DUI, a materi\ al fact. He has not denied that the police stopped)Tj T* (him for speeding and DUI in 2002. He also acknowledges that the police i\ ssued him a citation, returned his driver's)Tj T* (license and called a taxicab to take him)Tj /Span<>> BDC ( )Tj EMC 15.938 0 Td (home. He, however, was never taken to the police station. This knowledge\ is)Tj -15.938 -1.125 Td (supported by the police report. Although the police report indicates tha\ t he was)Tj /Span<>> BDC ( )Tj EMC 31.88 0 Td (arrested, Applicant did not believe he)Tj -31.88 -1.125 Td (had been arrested because he was not detained at the police station. Whe\ n the investigator questioned him about the)Tj T* (arrest, he willingly discussed the incident. He also testified about thi\ s incident. Thus, when he completed his security)Tj T* (clearance application he did not intend to)Tj /Span<>> BDC ( )Tj EMC 16.744 0 Td (falsify the answer to Question 24. Because he provided other detrimental\ )Tj -16.744 -1.125 Td (information and has been forthcoming about his arrest, the government ha\ s not)Tj /Span<>> BDC ( )Tj EMC 31.797 0 Td (established that he intentionally and)Tj -31.797 -1.125 Td (deliberately failed to provide this information when he completed his se\ curity clearance application. Accordingly, for)Tj T* (the)Tj /Span<>> BDC ( )Tj EMC (reasons stated, I find that it is clearly consistent with the national i\ nterest to grant a security clearance to Applicant.)Tj ET EMC endstream endobj 137 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[462.0 369.0 480.0 380.0]/Subtype/Link/Type/Annot>> endobj 138 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[350.0 220.0 368.0 231.0]/Subtype/Link/Type/Annot>> endobj 131 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/04-07360.h1.htm)Tj 50.019 0 Td ([7/2/2021 3:32:55 PM])Tj EMC ET 0.753 g 10 36 591.75 729.75 re f /Article <>BDC EMC BT /Article <>BDC 0 g /TT1 1 Tf 12 0 0 12 16 750 Tm (Financial Considerations - Guideline F: An individual who is financially\ overextended is at risk of having to)Tj 0 -1.125 TD (engage in illegal acts to generate funds.)Tj /Span<>> BDC ( )Tj EMC 16.887 0 Td (Unexplained affluence is often linked to proceeds from financially)Tj -16.887 -1.125 Td (profitable criminal acts.)Tj 0 -5.375 TD (Personal Conduct - Guideline E: Conduct involving questionable judgment,\ untrustworthiness, unreliability,)Tj 0 -1.125 TD (lack of candor, dishonesty, or)Tj /Span<>> BDC ( )Tj EMC (unwillingness to comply with rules and regulation could indicate that th\ e person)Tj T* (may not properly safeguard classified information.)Tj /TT0 1 Tf 0 -5.375 TD (Upon consideration of all the facts in evidence, and after application o\ f all appropriate adjudicative factors, I conclude)Tj 0 -1.125 TD (the following with respect to the)Tj /Span<>> BDC ( )Tj EMC 13.219 0 Td (allegations set forth in the SOR:)Tj -13.219 -5.375 Td (The government has established its case under Guideline F. Financial Con\ siderations Disqualifying Conditions \(FC DC\))Tj T* (E2.A6.1.2.1. \()Tj /TT2 1 Tf (A history of not meeting)Tj /Span<>> BDC ( )Tj EMC 15.526 0 Td (financial obligations)Tj /TT0 1 Tf 8.306 0 Td (\) and FC DC E2.A6.1.2.5. \()Tj /TT2 1 Tf (Financial problems that are)Tj -23.832 -1.125 Td (linked to gambling, drug abuse, alcoholism, or other issues of security \ concern)Tj /TT0 1 Tf 31.663 0 Td (\))Tj /Span<>> BDC ( )Tj EMC (apply. Applicant began gambling after)Tj -31.663 -1.125 Td (his divorce in 1998. He incurred significant debt from his gambling in a\ ddition to the marital debt he had assumed as)Tj T* (part of his divorce settlement. He failed to pay much of his debt for a \ long period of time, and he still has some)Tj T* (outstanding bills.)Tj 0 -5.375 TD (I considered all the Financial Considerations Mitigating Conditions \(FC\ MC\), and conclude that FC MC E2.A6.1.3.4)Tj 0 -1.125 TD (\()Tj /TT2 1 Tf (The person has received or is receiving)Tj /Span<>> BDC ( )Tj EMC 16.357 0 Td (counseling for the problem and there are clear indications that the prob\ lem is)Tj -16.357 -1.125 Td (being resolved or is under control)Tj /TT0 1 Tf 13.637 0 Td (\) and FC MC E2.A6.1.3.6. \()Tj /TT2 1 Tf (The individual)Tj /Span<>> BDC ( )Tj EMC 17.277 0 Td (initiated a good-faith effort to repay)Tj -30.915 -1.125 Td (overdue creditors or otherwise resolve debts)Tj /TT0 1 Tf 17.858 0 Td (\) apply. Between his marital debts and his gambling, Applicant incurred\ )Tj -17.858 -1.125 Td (nearly)Tj /Span<>> BDC ( )Tj EMC 2.749 0 Td ($50,000 of debt by 2001. By 2003, he had paid $30,000 to $35,000 of this\ debt, without filing for bankruptcy.)Tj -2.749 -1.125 Td (Some of the debt was paid following garnishment)Tj /Span<>> BDC ( )Tj EMC 20.163 0 Td (and the rest through his efforts. By the time of the hearing, he owed)Tj -20.163 -1.125 Td ($2,700. $900 is new debt. He has taken responsibility for his financial \ problems. He)Tj /Span<>> BDC ( )Tj EMC 33.882 0 Td (developed a plan to pay his debt,)Tj -33.882 -1.125 Td (and followed through. At his current level of income, he can pay off his\ remaining debt.)Tj 0 -5.375 TD (A few years ago, he realized he was depressed and could not continue to \ gamble because of its negative effects on his)Tj 0 -1.125 TD (life. He initiated counseling to address the source of his depression. D\ uring these sessions, he also discussed his)Tj T* (gambling problem. Although he developed a treatment plan with his therap\ ist, he did not complete all the sessions. He)Tj T* (did attend ten sessions of gamblers anonymous. However, neither the coun\ seling nor gamblers anonymous successfully)Tj T* (helped)Tj /Span<>> BDC ( )Tj EMC 2.916 0 Td (him overcome his issues with depression and gambling. Instead, he found \ that his faith provided him with the)Tj -2.916 -1.125 Td (strength to manage his gambling problem and)Tj /Span<>> BDC ( )Tj EMC 18.58 0 Td (resolve his depression. Without intervention by a court or other entity,\ )Tj -18.58 -1.125 Td (Applicant took the initiative to take control of his gambling problem. H\ e has stayed away)Tj /Span<>> BDC ( )Tj EMC 36.047 0 Td (from the casinos. While he)Tj -36.047 -1.125 Td (still gambles, he not only limits it to off-track betting on horse races\ , but he also significantly limits the amount of)Tj T* (money he bets.)Tj /Span<>> BDC ( )Tj EMC 6.276 0 Td (His gambling is no longer creating a financial problem as should by his \ current debt level. 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