%PDF-1.6 % 1 0 obj <> endobj 2 0 obj <>stream 2021-07-02T15:51:23-04:00 2021-07-02T15:51:22-04:00 2021-07-02T15:51:23-04:00 Adobe Acrobat 17.0 application/pdf 05-16897.h1 uuid:cbd448ae-b77f-4c1e-8b4e-043e7a1c5902 uuid:ffbf435d-7726-40f8-8c2f-37fc602d4bcf 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 18 0 obj <>>> endobj 19 0 obj <> endobj 20 0 obj <> endobj 22 0 obj [21 0 R 21 0 R] endobj 23 0 obj [21 0 R 21 0 R] endobj 24 0 obj [21 0 R 21 0 R] endobj 25 0 obj [21 0 R 21 0 R] endobj 26 0 obj [21 0 R 21 0 R] endobj 21 0 obj <><><><><><><><>]/P 19 0 R/Pg 13 0 R/S/Article>> endobj 13 0 obj <>/ProcSet[/PDF/Text]>>/StructParents 0/Type/Page>> endobj 27 0 obj [34 0 R] endobj 28 0 obj <>stream BT /Artifact <>BDC /TT0 1 Tf 9 0 0 9 5 779 Tm (05-16897.h1)Tj EMC /Artifact <>BDC 0 -86 TD (file:///usr.osd.mil/)Tj 7.166 0 Td (...)Tj (yComputer/Desktop/DOHA%20transfer/DOHA-Kane/dodogc/doha/industrial/Archi\ ved%20-%20HTML/05-16897.h1.html)Tj 50.296 0 Td ([7/2/2021 3:51:23 PM])Tj EMC ET 1 g 10 36 591.75 729.75 re f 0.604 g q 1 0 0 1 16.0002 734.2497 cm 0 0 m 0.75 -0.75 l 579 -0.75 l 579.749 0 l h f Q 0.933 g q 1 0 0 1 16.7499 733.5 cm 0 0 m -0.75 -0.75 l 579 -0.75 l 578.25 0 l h f Q 0.604 g q 1 0 0 1 16.0002 732.7503 cm 0 0 m 0.75 0.75 l 0 1.499 l h f Q 0.933 g q 1 0 0 1 594.9999 733.5 cm 0 0 m 0.75 -0.75 l 0.75 0.75 l h f Q 0.604 g q 1 0 0 1 16.0002 618.75 cm 0 0 m 0.75 -0.75 l 579 -0.75 l 579.749 0 l h f Q 0.933 g q 1 0 0 1 16.7499 618.0003 cm 0 0 m -0.75 -0.751 l 579 -0.751 l 578.25 0 l h f Q 0.604 g q 1 0 0 1 16.0002 617.2497 cm 0 0 m 0.75 0.751 l 0 1.5 l h f Q 0.933 g q 1 0 0 1 594.9999 618.0003 cm 0 0 m 0.75 -0.751 l 0.75 0.75 l h f Q /Article <>BDC EMC /Article <>BDC BT 0 g 12 0 0 12 16 749.25 Tm (DATE: December 27, 2006)Tj 0 -3.25 TD (In Re:)Tj 0 -2.125 TD (---------------------)Tj T* (SSN: ------------)Tj T* (Applicant for Security Clearance)Tj 0 -3.25 TD (ISCR Case No. 05-16897)Tj /TT1 1 Tf 14.419 -2.125 Td (DECISION OF ADMINISTRATIVE JUDGE)Tj 4.057 -2.125 Td (MATTHEW E. MALONE)Tj 1.958 -2.125 Td (APPEARANCES)Tj ET 0.75 w q 1 0 0 1 261.2061 517.5 cm 0 0 m 89.338 0 l h S Q BT 11.25 0 0 11.25 251.0312 493.5 Tm (FOR GOVERNMENT)Tj /TT0 1 Tf -4.345 -2.2 Td (Emilio Jaksetic, Esquire, Department Counsel)Tj /TT1 1 Tf 5.123 -2.2 Td (FOR APPLICANT)Tj /TT2 1 Tf 2.75 -2.2 Td (Pro Se)Tj /TT1 1 Tf 12 0 0 12 276.5312 393.75 Tm (SYNOPSIS)Tj ET q 1 0 0 1 276.5312 393 cm 0 0 m 58.688 0 l h S Q BT /TT0 1 Tf 12 0 0 12 16 368.25 Tm (Applicant has delinquent debts in excess of $150,000, which resulted fro\ m a failed real estate and rental property)Tj 0 -1.125 TD (venture between 1996 and 2000. This debt is what remains from over $1 mi\ llion in)Tj /Span<>> BDC ( )Tj EMC 33.438 0 Td (assets, the rest of which he was able)Tj -33.438 -1.125 Td (to liquidate. Applicant has not acted to pay or resolve these debts on a\ dvice from his attorney. Applicant's personal)Tj T* (finances are otherwise excellent, and he has)Tj /Span<>> BDC ( )Tj EMC 17.77 0 Td (significant financial assets and income that make it unlikely he would r\ esort)Tj -17.77 -1.125 Td (to illegal acts to generate funds to satisfy the debts from his failed b\ usiness. Clearance is granted.)Tj /TT1 1 Tf 17.558 -2.125 Td (STATEMENT OF THE CASE)Tj ET q 1 0 0 1 226.6914 288 cm 0 0 m 158.367 0 l h S Q BT /TT0 1 Tf 12 0 0 12 16 263.25 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 a preliminary affirmative finding)Tj 0 0 0.933 rg 9.75 0 0 9.75 364.873 251.25 Tm ( \(1\))Tj ET 0 0 0.933 RG q 1 0 0 1 364.873 250.5 cm 0 0 m 13.806 0 l h S Q BT 0 g 12 0 0 12 378.6792 246.75 Tm ( it)Tj /Span<>> BDC ( )Tj EMC (is clearly consistent with the national)Tj -30.223 -1.125 Td (interest to give Applicant a security clearance. On February 28, 2006, D\ OHA issued to Applicant a Statement of)Tj 0 -1.125 TD (Reasons \(SOR\) alleging facts that raise)Tj /Span<>> BDC ( )Tj EMC 15.94 0 Td (security concerns addressed in the Directive under Guideline F \(financi\ al)Tj -15.94 -1.125 Td (considerations\).)Tj 0 -2.125 TD (Applicant timely responded to the SOR, admitted with explanation, all bu\ t five of the 17 allegations therein, and)Tj 0 -1.125 TD (requested a hearing. This case was originally assigned to another admini\ strative)Tj /Span<>> BDC ( )Tj EMC 32.157 0 Td (judge on May 25, 2006, but transferred)Tj -32.157 -1.125 Td (to me on June 9, 2006. I convened a hearing on August 2, 2006, at which \ the parties appeared as scheduled. The)Tj T* (government presented four exhibits \(Gx1 -)Tj /Span<>> BDC ( )Tj EMC 17.329 0 Td (4\), and Applicant testified in his own behalf and introduced a single 1\ 6-page)Tj -17.329 -1.125 Td (exhibit \(Ax A\). DOHA received the transcript \(Tr\) on August 10, 2006\ .)Tj /TT1 1 Tf 19.406 -2.125 Td (FINDINGS OF FACT)Tj ET 0 G q 1 0 0 1 248.8721 100.5 cm 0 0 m 114.006 0 l h S Q BT /TT0 1 Tf 12 0 0 12 16 75.75 Tm (Applicant's admissions in response to the SOR are incorporated herein as\ facts. After a thorough review of the)Tj T* (pleadings, transcript, and exhibits, I make the following additional fin\ dings of fact:)Tj ET EMC endstream endobj 29 0 obj <> endobj 30 0 obj (q+\n4bj) endobj 31 0 obj <> endobj 32 0 obj <> endobj 33 0 obj <> endobj 39 0 obj <> endobj 40 0 obj <>stream H\n0 y CBh+q؇(1Q~v\u"MTVvD~h8AYqnA൳j~ 羚H| ʶs>9N~œ.Tћ7;{Wy^Bt9= b( 0Rڽ=Bdʐi">gZic:':BkDdc2ĥp|>oQv q*2KSərt#!ց6cm gZX3wʸVv͵\W' g-4{}}"<2,<ܼU;? 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L i!rB8!ryZ>,19!wɶ<$̭FQfD!rCx!!yFgTTc 0 l, g`7B7'[şp5 $K]ԀhstǁtOS& S}nR߃^ B(S(el k\2 DnWXO 5RJVDU(t@f1~`H4 endstream endobj 34 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[365.0 249.0 379.0 260.0]/Subtype/Link/Type/Annot>> endobj 17 0 obj <>/ProcSet[/PDF/Text]>>/StructParents 4/Type/Page>> endobj 44 0 obj <>stream BT /Artifact <>BDC /TT0 1 Tf 9 0 0 9 5 779 Tm (05-16897.h1)Tj EMC /Artifact <>BDC 0 -86 TD (file:///usr.osd.mil/)Tj 7.166 0 Td (...)Tj (yComputer/Desktop/DOHA%20transfer/DOHA-Kane/dodogc/doha/industrial/Archi\ ved%20-%20HTML/05-16897.h1.html)Tj 50.296 0 Td ([7/2/2021 3:51:23 PM])Tj EMC ET 1 g 10 195 591.75 570.749 re f /Article <>BDC EMC BT /Article <>BDC 0 g 12 0 0 12 16 751.5 Tm (2. )Tj (Ax. A.)Tj 0 -2.125 TD (3. )Tj (Applicant's current wife is 36 years old.)Tj T* (4. )Tj (Gx. 2, Gx. 4.)Tj T* (5. )Tj (Applicant's response to the SOR; Tr., 42. Also, the debt is listed in a \ credit report generated in 2004 \(Gx. 4\), but does)Tj 0 -1.125 TD (not appear in a more recent credit report \(Gx. 2\).)Tj 0 -2.125 TD (6. )Tj (Plaintiffs financed the sale of a property to Applicant. The debt is the\ remainder due after they foreclosed on the)Tj 0 -1.125 TD (mortgage of the property.)Tj 0 -2.125 TD (7. )Tj (Tr., 57 - 59.)Tj T* (8. )Tj (Directive, Enclosure 2.)Tj T* (9. )Tj (Commonly referred to as the "whole person" concept, these factor are as \ follows:)Tj T* (1. Nature and seriousness of the conduct and surrounding circumstances.)Tj 0 -1.125 TD (2. Frequency and recency of the conduct.)Tj T* (3. Age of the applicant.)Tj T* (4. Motivation of the applicant, and the extent to which the conduct was \ negligent,)Tj 0 -2.125 TD (willful, voluntary, or undertaken with knowledge of the consequences inv\ olved.)Tj 0 -1.125 TD (5. Absence or presence of rehabilitation.)Tj T* (6. Probability that the circumstances or conduct will continue or recur \ in the future;)Tj 0 -2.125 TD (10. )Tj /TT1 1 Tf (See)Tj /TT0 1 Tf ( )Tj /TT1 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 /TT1 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 /TT1 1 Tf (See Egan; )Tj /TT0 1 Tf 5.832 0 Td (Directive E2.2.2.)Tj -5.832 -2.125 Td (13. )Tj (Directive, E2.A6.1.1.)Tj T* (14. )Tj (Directive, E2.A6.1.2.1. A history of not meeting financial obligations;)Tj T* (15. )Tj (Directive, E2.A6.1.2.3. Inability or unwillingness to satisfy debts;)Tj T* (16. )Tj (Directive, )Tj 5.72 0 Td (E2.A6.1.3.3. The conditions that resulted in the behavior were largely b\ eyond the person's control \(e.g.,)Tj -5.72 -1.125 Td (loss of employment, a business downturn, unexpected medical emergency, o\ r a)Tj /Span<>> BDC ( )Tj EMC 31.936 0 Td (death, divorce or separation\).)Tj -31.936 -2.125 Td (17. )Tj (Directive, E2.2.3.)Tj EMC ET endstream endobj 16 0 obj <>/ProcSet[/PDF/Text]>>/StructParents 3/Type/Page>> endobj 45 0 obj [47 0 R] endobj 46 0 obj <>stream BT /Artifact <>BDC /TT0 1 Tf 9 0 0 9 5 779 Tm (05-16897.h1)Tj EMC /Artifact <>BDC 0 -86 TD (file:///usr.osd.mil/)Tj 7.166 0 Td (...)Tj (yComputer/Desktop/DOHA%20transfer/DOHA-Kane/dodogc/doha/industrial/Archi\ ved%20-%20HTML/05-16897.h1.html)Tj 50.296 0 Td ([7/2/2021 3:51:23 PM])Tj EMC ET 1 g 10 36 591.75 729.75 re f /Article <>BDC EMC /Article <>BDC BT 0 g 12 0 0 12 16 752.25 Tm (A fair and commonsense assessment)Tj ET q 10 36 592 730 re W n BT 0 0 0.933 rg 9.75 0 0 9.75 191.957 756.75 Tm ( \(17\))Tj ET Q 0 0 0.933 RG 0.75 w q 1 0 0 1 191.957 756 cm 0 0 m 18.681 0 l h S Q BT 12 0 0 12 210.6382 752.25 Tm ( of Applicant's financial problems, taken in the context of all of the i\ nformation)Tj -16.22 -1.125 Td (before me shows that the Applicant has satisfactorily addressed the)Tj /Span<>> BDC ( )Tj EMC 27.103 0 Td (government's reasonable doubts about his ability to)Tj -27.103 -1.125 Td (protect classified information, and to exercise the requisite good judgm\ ent and discretion expected of one who holds a)Tj 0 -1.125 TD (security clearance. In light)Tj /Span<>> BDC ( )Tj EMC 10.856 0 Td (of all available information about Applicant's finances, I conclude Appl\ icant has)Tj -10.856 -1.125 Td (satisfactorily addressed the government's concerns in this regard.)Tj /TT1 1 Tf 19.364 -2.125 Td (FORMAL FINDINGS)Tj ET 0 G q 1 0 0 1 248.374 672 cm 0 0 m 115.002 0 l h S Q BT /TT0 1 Tf 12 0 0 12 16 647.25 Tm (Formal findings regarding each SOR allegation are as follows:)Tj 0 -2.125 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 T* (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 (For the Applicant)Tj T* (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 -2.125 Td (Subparagraph 1.o: )Tj 7.582 0 Td (For the Applicant)Tj -7.582 -2.125 Td (Subparagraph 1.p: )Tj 7.582 0 Td (For the Applicant)Tj -7.582 -2.125 Td (Subparagraph 1.q: )Tj 7.582 0 Td (For the Applicant)Tj /TT1 1 Tf 14.102 -2.125 Td (DECISION)Tj ET q 1 0 0 1 276.2002 162 cm 0 0 m 59.35 0 l h S Q BT /TT0 1 Tf 12 0 0 12 16 137.25 Tm (In light of all the circumstances presented by the record in this case, \ it is clearly consistent with the national interest to)Tj 0 -1.125 TD (grant or continue a security clearance for the Applicant. Clearance is g\ ranted.)Tj 20.171 -2.125 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 ET EMC endstream endobj 47 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[192.0 754.0 210.0 765.0]/Subtype/Link/Type/Annot>> endobj 15 0 obj <>/ProcSet[/PDF/Text]>>/StructParents 2/Type/Page>> endobj 48 0 obj [50 0 R 51 0 R 52 0 R 53 0 R 54 0 R 55 0 R] endobj 49 0 obj <>stream BT /Artifact <>BDC /TT0 1 Tf 9 0 0 9 5 779 Tm (05-16897.h1)Tj EMC /Artifact <>BDC 0 -86 TD (file:///usr.osd.mil/)Tj 7.166 0 Td (...)Tj (yComputer/Desktop/DOHA%20transfer/DOHA-Kane/dodogc/doha/industrial/Archi\ ved%20-%20HTML/05-16897.h1.html)Tj 50.296 0 Td ([7/2/2021 3:51:23 PM])Tj EMC ET 1 g 10 36 591.75 729.75 re f /Article <>BDC EMC /Article <>BDC q 10 36 592 730 re W n BT 0 g 12 0 0 12 16 755.25 Tm (for an applicant. Additionally, the)Tj /Span<>> BDC ( )Tj EMC 13.802 0 Td (government must be able to prove controverted facts alleged in the SOR. \ If the)Tj ET Q BT 0 g 12 0 0 12 16 741.75 Tm (government meets its burden, the burden then shifts to the applicant to \ refute, extenuate or mitigate the government's)Tj 0 -1.375 TD (case. Because no one has a "right" to a security clearance, an applicant\ bears a heavy burden of persuasion.)Tj 0 0 0.933 rg 9.75 0 0 9.75 529.9141 729.75 Tm ( \(11\))Tj ET 0 0 0.933 RG 0.75 w q 1 0 0 1 529.9141 729 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 548.5952 725.25 Tm ( A person)Tj -44.383 -1.125 Td (who has access to classified information enters into a fiduciary relatio\ nship)Tj /Span<>> BDC ( )Tj EMC 30.352 0 Td (with the government based on trust and)Tj -30.352 -1.125 Td (confidence. The government, therefore, has a compelling interest in ensu\ ring each applicant possesses the requisite)Tj 0 -1.125 TD (judgement, reliability and trustworthiness)Tj /Span<>> BDC ( )Tj EMC 16.914 0 Td (of one who will protect the national interests as his or her own. The "c\ learly)Tj -16.914 -1.125 Td (consistent with the national interest" standard compels resolution of an\ y reasonable doubt about an applicant's suitability)Tj 0 -1.375 TD (for access in favor of the government.)Tj 0 0 0.933 rg 9.75 0 0 9.75 198.2617 659.25 Tm ( \(12\))Tj ET q 1 0 0 1 198.2617 658.5 cm 0 0 m 18.681 0 l h S Q BT 0 g /TT1 1 Tf 12 0 0 12 261.8652 629.25 Tm (CONCLUSIONS)Tj ET 0 G q 1 0 0 1 261.8652 628.5 cm 0 0 m 88.02 0 l h S Q BT 12 0 0 12 16 603.75 Tm (Financial Considerations. )Tj /TT0 1 Tf (The government alleged Applicant should be disqualified because there is\ a significant)Tj 0 -1.125 TD (amount of debt attributable to him from the remnants of his failed renta\ l property)Tj /Span<>> BDC ( )Tj EMC 32.713 0 Td (enterprise. With the exception of SOR)Tj -32.713 -1.125 Td (\266\266 1.e, 1.f, 1.g, and 1.o, the government presented sufficient inf\ ormation to support the allegations in the SOR. I accept)Tj T* (Applicant's testimony that he has no)Tj /Span<>> BDC ( )Tj EMC 14.733 0 Td (knowledge of and does not owe the debt listed in SOR \266 1.g. Further, \ the debts)Tj -14.733 -1.125 Td (listed in SOR \266\266 1.e and 1.f are duplicates of those listed in SOR\ \266\266 1.c and 1.a, respectively. SOR )Tj 39.639 0 Td (\266 1.c is also)Tj -39.639 -1.125 Td (duplicated in SOR )Tj 7.638 0 Td (\266 1.o. Nonetheless, the government's information in support of the re\ maining allegations raises)Tj -7.638 -1.125 Td (security concerns addressed in the Directive under Guideline F. Specific\ ally, an)Tj /Span<>> BDC ( )Tj EMC 32.128 0 Td (applicant who is financially)Tj -32.128 -1.125 Td (overextended through delinquent debt and poor personal financial managem\ ent may be at risk of engaging in illegal acts)Tj 0 -1.375 TD (to generate funds to resolve their fiscal)Tj /Span<>> BDC ( )Tj EMC 15.8 0 Td (difficulties.)Tj 0 0 0.933 rg 9.75 0 0 9.75 260.582 497.25 Tm ( \(13\))Tj ET 0 0 0.933 RG q 1 0 0 1 260.582 496.5 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 279.2632 492.75 Tm ( These facts further warrant consideration of Guideline F)Tj -21.939 -1.375 Td (disqualifying condition \(DC\) 1.)Tj 0 0 0.933 rg 9.75 0 0 9.75 167.3184 480.75 Tm ( \(14\))Tj ET q 1 0 0 1 167.3184 480 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 185.9995 476.25 Tm ( He has a history of not meeting financial obligations, but only in the \ sense the debts)Tj -14.167 -1.125 Td (at)Tj /Span<>> BDC ( )Tj EMC (issue have existed for up to six years now. He otherwise has paid his de\ bts and met his financial obligations. I have)Tj T* (specifically concluded that DC 3)Tj 0 0 0.933 rg 9.75 0 0 9.75 173.2832 450.75 Tm ( \(15\))Tj ET q 1 0 0 1 173.2832 450 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 191.9644 446.25 Tm ( does not apply here, because available)Tj /Span<>> BDC ( )Tj EMC 15.827 0 Td (information shows Applicant acted to pay)Tj -30.49 -1.125 Td (or resolve a large portion of his real estate obligations, and he has th\ e means to do pay the debts listed in the SOR.)Tj 0 -2.125 TD (In response, the Applicant presented information sufficient to warrant a\ pplication of Guideline F mitigating condition)Tj 0 -1.375 TD (\(MC\) 3.)Tj 0 0 0.933 rg 9.75 0 0 9.75 54.666 395.25 Tm ( \(16\))Tj ET q 1 0 0 1 54.666 394.5 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 73.3472 390.75 Tm ( The debts listed stemmed directly from a business downturn he)Tj /Span<>> BDC ( )Tj EMC 25.8 0 Td (could not have foreseen. Additionally,)Tj -30.579 -1.125 Td (Applicant has addressed directly the central issues to be resolved under\ Guideline F - whether Applicant is overextended)Tj 0 -1.125 TD (financially, and, if so, whether he is)Tj /Span<>> BDC ( )Tj EMC 14.551 0 Td (at risk for engaging in illegal acts to generate funds with which to res\ olve his)Tj -14.551 -1.125 Td (financial problems. It appears from all of the available information tha\ t Applicant is not financially overextended)Tj T* (despite, carrying more than $100,000 in unpaid obligations. Against the \ debts listed in the SOR, which are his only)Tj T* (known delinquencies, he presents about $1.3 million in assets and a posi\ tive)Tj /Span<>> BDC ( )Tj EMC 30.717 0 Td (monthly cash flow.)Tj -30.717 -2.125 Td (Further, Applicant has the resources to easily pay the listed debts, but\ has not done so on advice of his attorney.)Tj T* (Whether that advice is sound is subject to debate, but it reasonably acc\ ounts for)Tj /Span<>> BDC ( )Tj EMC 32.074 0 Td (Applicant's relative inaction regarding)Tj -32.074 -1.125 Td (the listed debts. However, it also appears Applicant took what action he\ could when his business was failing and)Tj T* (resolved the great majority of his financial)Tj /Span<>> BDC ( )Tj EMC 17.244 0 Td (problems. The facts herein constitute the only known financial difficult\ y)Tj -17.244 -1.125 Td (Applicant has had, and he otherwise has managed his personal finances in\ a sound and prosperous manner. Based on all)Tj T* (of)Tj /Span<>> BDC ( )Tj EMC (the foregoing, I conclude there is little likelihood he is at risk to ac\ t against the national interests to resolve his debts.)Tj /TT1 1 Tf 0 -2.125 TD (Whole Person.)Tj /TT0 1 Tf ( I have assessed the facts presented in this record and have applied the\ appropriate adjudicative factors,)Tj 0 -1.125 TD (pro and con, under Guideline F. I have also reviewed the record before m\ e in)Tj /Span<>> BDC ( )Tj EMC 31.072 0 Td (the context of the whole person factors)Tj -31.072 -1.125 Td (listed in Directive, Section 6.3. I conclude that Applicant is a mature,\ responsible person as evidenced by the fact he has)Tj T* (worked most of his adult life with)Tj /Span<>> BDC ( )Tj EMC 13.804 0 Td (the same company, and has held a clearance without incident for more tha\ n 20 years.)Tj -13.804 -1.125 Td (Notwithstanding the debts from his failed business, it appears he has al\ ways addressed his finances in a prudent)Tj /Span<>> BDC ( )Tj EMC 44.906 0 Td (manner,)Tj -44.906 -1.125 Td (resulting in financial security and no other unpaid obligations. The gov\ ernment does not inquire about a person's)Tj T* (finances to ensure he is debt free. Rather, this information must be vie\ wed)Tj /Span<>> BDC ( )Tj EMC 29.963 0 Td (in its proper context; namely, to assess)Tj -29.963 -1.125 Td (whether there is an unacceptable security risk posed by an applicant's f\ inancial condition. The presence of unpaid debts,)Tj T* (regardless of the amount, does not,)Tj /Span<>> BDC ( )Tj EMC 14.219 0 Td (without more, create such a risk. The examination must also consider an \ applicant's)Tj -14.219 -1.125 Td (judgment and responsiveness when faced with such financial adversity. In\ deed, circumstances may exist where a)Tj /Span<>> BDC ( )Tj EMC 45.457 0 Td (person)Tj -45.457 -1.125 Td (with far less debt is at far greater risk of improper conduct because he\ has failed to act prudently or the debts resulted)Tj T* (from his own poor judgment. That is not the case here.)Tj ET EMC endstream endobj 50 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[530.0 727.0 548.0 738.0]/Subtype/Link/Type/Annot>> endobj 51 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[198.0 657.0 216.0 668.0]/Subtype/Link/Type/Annot>> endobj 52 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[261.0 495.0 279.0 506.0]/Subtype/Link/Type/Annot>> endobj 53 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[167.0 478.0 185.0 489.0]/Subtype/Link/Type/Annot>> endobj 54 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[173.0 448.0 191.0 459.0]/Subtype/Link/Type/Annot>> endobj 55 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[54.0 393.0 72.0 404.0]/Subtype/Link/Type/Annot>> endobj 14 0 obj <>/ProcSet[/PDF/Text]>>/StructParents 1/Type/Page>> endobj 56 0 obj [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] endobj 57 0 obj <>stream BT /Artifact <>BDC /TT0 1 Tf 9 0 0 9 5 779 Tm (05-16897.h1)Tj EMC /Artifact <>BDC 0 -86 TD (file:///usr.osd.mil/)Tj 7.166 0 Td (...)Tj (yComputer/Desktop/DOHA%20transfer/DOHA-Kane/dodogc/doha/industrial/Archi\ ved%20-%20HTML/05-16897.h1.html)Tj 50.296 0 Td ([7/2/2021 3:51:23 PM])Tj EMC ET 1 g 10 36 591.75 729.75 re f /Article <>BDC EMC /Article <>BDC q 10 36 592 730 re W n BT 0 g 12 0 0 12 16 755.25 Tm (Applicant is 57 years old and has worked for the same company since 1982\ as a quality and safety inspector. He has)Tj ET Q BT 0 g 12 0 0 12 16 741.75 Tm (held a security clearance without incident the entire time, and now earn\ s about)Tj /Span<>> BDC ( )Tj EMC 31.655 0 Td ($115,000 annually. His personal assets)Tj -31.655 -1.125 Td (include a home with a mortgage of about $180,000, but which is now worth\ at least $500,000. He also recently bought)Tj 0 -1.125 TD (an unimproved lot for $25,000, using a)Tj /Span<>> BDC ( )Tj EMC 15.859 0 Td (loan from his 401\(k\) plan. The lot is now worth at least $100,000. App\ licant)Tj -15.859 -1.125 Td (recently sold a different lot and realized a $52,000 profit after settle\ ment. He also has retirement savings and investment)Tj T* (plans worth at least $500,000, and a collection of classic automobiles c\ onservatively valued at $110,000. After monthly)Tj 0 -1.375 TD (expenses, Applicant estimates he has about $1,600 remaining.)Tj 0 0 0.933 rg 9.75 0 0 9.75 313.9258 675.75 Tm ( \(2\))Tj ET 0 0 0.933 RG 0.75 w q 1 0 0 1 313.9258 675 cm 0 0 m 13.806 0 l h S Q BT 0 g 12 0 0 12 16 645.75 Tm (Applicant was married to his first wife twice. They were married the fir\ st time in 1969, and re-married in 1982, but)Tj 0 -1.125 TD (divorced again in 1995. They had two sons, both now in their 30's. Appli\ cant)Tj /Span<>> BDC ( )Tj EMC 31.092 0 Td (married his current wife in 1999. They)Tj -31.092 -1.375 Td (have two children under six years old.)Tj 0 0 0.933 rg 9.75 0 0 9.75 198.9473 620.25 Tm ( \(3\))Tj ET q 1 0 0 1 198.9473 619.5 cm 0 0 m 13.806 0 l h S Q BT 0 g 12 0 0 12 16 590.25 Tm (In the 1990s, Applicant lived and worked in another state. Around 1996, \ he and his two sons went into business)Tj T* (together, buying houses to use as rental property. Applicant intended th\ at his sons)Tj /Span<>> BDC ( )Tj EMC 32.966 0 Td (would manage the business and)Tj -32.966 -1.125 Td (realize income from it. At one point, he owned 23 such properties, which\ Applicant estimates totaled about $1.1 million)Tj T* (dollars in value. The business worked well)Tj /Span<>> BDC ( )Tj EMC 17.33 0 Td (for the first few years, as Applicant and his sons realized about 95%)Tj -17.33 -1.125 Td (occupancy and few major tenant problems. However, the business began to \ fail in 2000, when Applicant was transferred)Tj T* (to his)Tj /Span<>> BDC ( )Tj EMC (current location, and after he and his sons had a falling out over Appli\ cant's new wife. Over the next two years,)Tj T* (Applicant was able to sell off or resolve through foreclosure about $800\ ,000 worth of)Tj /Span<>> BDC ( )Tj EMC 34.463 0 Td (properties, and he spent at least)Tj -34.463 -1.125 Td ($100,000 of his own money trying to keep current on the mortgages of his\ unoccupied properties as he tried to wind up)Tj T* (the business.)Tj 0 -2.125 TD (Applicant still owes several significant debts as a result of the failur\ e of his rental property enterprise. Collection)Tj 0 -1.125 TD (companies are seeking from Applicant a total of about $2,400 in unpaid u\ tility bills)Tj /Span<>> BDC ( )Tj EMC 33.576 0 Td (\(SOR \266\266 1.a - 1.d\). He owes about)Tj -33.576 -1.125 Td ($143,000 in debts remaining from mortgage foreclosures and home equity l\ oans acquired during the business \(SOR \266\266)Tj T* (1.h - 1.k, 1.m, 1.n\), and a civil judgment,)Tj /Span<>> BDC ( )Tj EMC 16.636 0 Td (still unpaid, for $6,750 was entered against Applicant in February 2002 \ \(SOR)Tj -16.636 -1.125 Td (\266 1.l\). Credit reports obtained during Applicant's background invest\ igation show seven other properties were )Tj 43.678 0 Td (foreclosed,)Tj -43.678 -1.375 Td (but there is no indication he owes anything on those accounts.)Tj 0 0 0.933 rg 9.75 0 0 9.75 313.6035 390.75 Tm ( \(4\))Tj ET q 1 0 0 1 313.6035 390 cm 0 0 m 13.806 0 l h S Q BT 0 g 12 0 0 12 327.4097 386.25 Tm ( Finally, Applicant returned a truck he had bought for)Tj -25.951 -1.125 Td (use by his sons in managing the properties. He and the lender)Tj /Span<>> BDC ( )Tj EMC 24.8 0 Td (agreed to a settlement of the remaining debt whereby)Tj -24.8 -1.375 Td (Applicant paid about half what was owed \(SOR \266 1.p\).)Tj 0 0 0.933 rg 9.75 0 0 9.75 279.0508 360.75 Tm ( \(5\))Tj ET q 1 0 0 1 279.0508 360 cm 0 0 m 13.806 0 l h S Q BT 0 g 12 0 0 12 16 327.75 Tm (As to the civil judgment, Applicant asserts he and his lawyer have tried\ without success to contact the plaintiffs)Tj 0 0 0.933 rg 9.75 0 0 9.75 550.8672 332.25 Tm ( \(6\))Tj ET q 1 0 0 1 550.8672 331.5 cm 0 0 m 13.806 0 l h S Q BT 0 g 12 0 0 12 564.6733 327.75 Tm ( to)Tj -45.723 -1.125 Td (arrange a settlement. Also, Applicant was unaware of the foreclosure deb\ ts until)Tj /Span<>> BDC ( )Tj EMC 32.322 0 Td (he was interviewed during his)Tj -32.322 -1.125 Td (background investigation. The collection agencies who hold the utility d\ ebts have refused Applicant's efforts to)Tj T* (negotiate lower payments given that the collectors)Tj /Span<>> BDC ( )Tj EMC 20.354 0 Td (bought these accounts receivable for much less than the amount they)Tj -20.354 -1.125 Td (are trying to collect. Applicant's attorney advised him not to pay the c\ ollection agencies or the other debts related to the)Tj T* (foreclosure of his properties. 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Security clearance decisions must reflect consid\ eration)Tj /Span<>> BDC ( )Tj EMC 31.461 0 Td (of both disqualifying and mitigating)Tj -31.461 -1.125 Td (conditions under each adjudicative issue applicable to the facts and cir\ cumstances of each case. Each decision must also)Tj T* (reflect a fair and impartial common)Tj /Span<>> BDC ( )Tj EMC 14.438 0 Td (sense consideration of the factors listed in Section 6.3 of the Directiv\ e.)Tj 0 0 0.933 rg 9.75 0 0 9.75 528.8242 150.75 Tm ( \(9\))Tj ET q 1 0 0 1 528.8242 150 cm 0 0 m 13.806 0 l h S Q BT 0 g 12 0 0 12 542.6304 146.25 Tm ( The)Tj -43.886 -1.125 Td (presence or absence of a disqualifying or mitigating condition is not de\ terminative of a conclusion for or against an)Tj 0 -1.125 TD (applicant. 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