%PDF-1.6 % 1 0 obj <> endobj 2 0 obj <>stream 2021-07-02T15:54:08-04:00 2021-07-02T15:54:08-04:00 2021-07-02T15:54:08-04:00 Adobe Acrobat 17.0 application/pdf 06-07929.h1 uuid:70a9e458-9406-43e0-a0d9-7c1f644b6179 uuid:cb9bf3a4-1779-4c13-9556-eae9af8b14a0 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 20 0 obj <>>> endobj 21 0 obj <> endobj 22 0 obj <> endobj 24 0 obj [23 0 R 23 0 R] endobj 25 0 obj [23 0 R 23 0 R] endobj 26 0 obj [23 0 R 23 0 R] endobj 27 0 obj [23 0 R 23 0 R] endobj 28 0 obj [23 0 R 23 0 R] endobj 29 0 obj [23 0 R 23 0 R] endobj 30 0 obj [23 0 R 23 0 R] endobj 23 0 obj <><><><><><><><><><><><>]/P 21 0 R/Pg 13 0 R/S/Article>> endobj 13 0 obj <>/ProcSet[/PDF/Text]>>/StructParents 0/Type/Page>> endobj 31 0 obj [38 0 R 39 0 R 40 0 R 41 0 R 42 0 R] endobj 32 0 obj <>stream BT /Artifact <>BDC /TT0 1 Tf 9 0 0 9 5 779 Tm (06-07929.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/06-07929.h1.html)Tj 50.296 0 Td ([7/2/2021 3:54:08 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: )Tj (November 30, 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. 06-07929)Tj /TT1 1 Tf 14.419 -2.125 Td (DECISION OF ADMINISTRATIVE JUDGE)Tj 5.113 -2.125 Td (MARK W. HARVEY)Tj 0.902 -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 12 0 0 12 247.375 492.75 Tm (FOR GOVERNMENT)Tj /TT0 1 Tf -4.193 -2.125 Td (Melvin A. Howry, Esq., Department Counsel)Tj /TT1 1 Tf 4.971 -2.125 Td (FOR APPLICANT)Tj /TT2 1 Tf 2.75 -2.125 Td (Pro Se)Tj /TT1 1 Tf -1.098 -2.125 Td (SYNOPSIS)Tj ET q 1 0 0 1 276.5312 390 cm 0 0 m 58.688 0 l h S Q BT /TT0 1 Tf 12 0 0 12 16 365.25 Tm (Forty-four-year-old Applicant had fourteen financial allegations listed \ in the SOR. )Tj 33.241 0 Td (She failed to adequately explain,)Tj -33.241 -1.125 Td (controvert, or show how she planned to resolve or pay six debts, includi\ ng two)Tj /Span<>> BDC ( )Tj EMC 31.772 0 Td (debts together totaling over $13,000.00.)Tj -31.772 -1.125 Td (She was unemployed from June 2003 to June 2004, which aggravated her fin\ ancial problems. )Tj 37.713 0 Td (She has failed to mitigate)Tj -37.713 -1.125 Td (concerns about financial)Tj /Span<>> BDC ( )Tj EMC 10.023 0 Td (considerations. 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The SOR detailed reasons why)Tj -0.947 -1.125 Td (DOHA could not make the preliminary affirmative finding under the Direct\ ive that it is)Tj /Span<>> BDC ( )Tj EMC 35.212 0 Td (clearly consistent with the)Tj -35.212 -1.125 Td (national interest to grant or continue a security clearance for her, and\ recommended referral to an administrative judge)Tj 0 -1.125 TD (to determine whether a clearance should be granted,)Tj /Span<>> BDC ( )Tj EMC 21.074 0 Td (continued, denied, or revoked.)Tj -21.074 -2.125 Td (In a sworn, notarized answer, dated August 7, 2006, Applicant responded \ to the SOR allegations, electing to have her)Tj 0 -1.375 TD (case decided on the written record in lieu of a hearing.)Tj 0 0 0.933 rg 9.75 0 0 9.75 276.8887 122.25 Tm ( \(3\))Tj ET q 1 0 0 1 276.8887 121.5 cm 0 0 m 13.806 0 l h S Q BT 0 g 12 0 0 12 290.6948 117.75 Tm ( )Tj (A complete copy of)Tj /Span<>> BDC ( )Tj EMC 8.414 0 Td (the file of relevant material \(FORM\),)Tj -31.305 -1.125 Td (\(cover letter dated September 7, 2006\), was provided to her on Septemb\ er 15, 2006, and she was afforded an)Tj T* (opportunity to file objections and submit material)Tj /Span<>> BDC ( )Tj EMC 20.08 0 Td (in refutation, extenuation, or mitigation.)Tj 0 0 0.933 rg 9.75 0 0 9.75 449.2422 92.25 Tm ( \(4\))Tj ET q 1 0 0 1 449.2422 91.5 cm 0 0 m 13.806 0 l h S Q BT 0 g 12 0 0 12 463.0483 87.75 Tm ( )Tj (Any such submissions)Tj -37.254 -1.375 Td (were due by October 15, 2006.)Tj 0 0 0.933 rg 9.75 0 0 9.75 164.2891 75.75 Tm ( \(5\))Tj ET q 1 0 0 1 164.2891 75 cm 0 0 m 13.806 0 l h S Q BT 0 g 12 0 0 12 178.0952 71.25 Tm ( )Tj (Applicant did not provide additional materials in response to the FORM. \ )Tj 29.579 0 Td (The case)Tj -43.087 -1.125 Td (was assigned)Tj /Span<>> BDC ( )Tj EMC (to me on October 25, 2006.)Tj ET EMC endstream endobj 33 0 obj <> endobj 34 0 obj (P4߭w/ψ}8) endobj 35 0 obj <> endobj 36 0 obj <> endobj 37 0 obj <> endobj 47 0 obj <> endobj 48 0 obj <>stream H\j0F~ -EqX3 @HZ^{nd8}+-`|B7_웽؅6ڥN]kf͹<%oλp쳪rkڼm,[]80jZ;B>˧]r~"nbS[ uc'˪YzVzN*_,v86u̪YZ+YD~J\'NKy.%ؓ=X^`/Qܒ`*̾}=zz >stream H| XTGǫ1"1G"y@[!a'.F6<>cظWx9jdhe8,'!q1N 3@q׎.qb1VC' ُ~4 2ZRQ:DQP vVȫZ%TAV(_@Oջ|p qy_JUolԢd[n=N. \6jD.kuzO듦͚hwmkۡc]v̿{z_~կ?iϿ aC"=bd̨cb;.n~8irϘ8+)y/Xh񒴥`U׬X~!sʹeY;vڽgo9:{hޱ'N*<}EpbWF͒R`אVV5@<(dJٴSVB0SH '+0p1M>}sEȽy/8~+>p(q?p9{ՠ7$ [s`qh,9KOKjm ]~%\x}+Q=bTYs$mml PUTueFz{w2w07ۚۘ[[?5407375{Wul@if%kKJ6씺* QOSSocjmjfқMh|j,3wj~e,0qqӨ7skrJ;#$n7x[9W5j^^^NW= uk%a+W/bg;4)X+mj}l֘QWa;vy_L{ƭd@LW=f@ $J8i9́%y/=U ^ xka  !R! !N)8 <6Oa\P ` 0! 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It is a relationship that transcends normal d\ uty)Tj /Span<>> BDC ( )Tj EMC 29.631 0 Td (hours and endures throughout off-duty hours)Tj -29.631 -1.125 Td (as well. It is because of this special relationship the government must \ be able to repose a high degree of trust and)Tj 0 -1.125 TD (confidence in those individuals to)Tj /Span<>> BDC ( )Tj EMC 13.747 0 Td (whom it grants access to classified information. )Tj 19.329 0 Td (Decisions under this Directive)Tj -33.076 -1.125 Td (include, by necessity, consideration of the possible risk an applicant m\ ay deliberately or inadvertently fail to protect)Tj /Span<>> BDC ( )Tj EMC 46.625 0 Td (or)Tj -46.625 -1.125 Td (safeguard classified information. Such decisions entail a certain degree\ of legally permissible extrapolation as to)Tj T* (potential, rather than actual, risk of compromise of classified informat\ ion.)Tj 0 -2.125 TD (The scope of an administrative judge's decision is limited. Applicant's \ allegiance, loyalty, and patriotism are not at issue)Tj 0 -1.125 TD (in these proceedings. )Tj 8.664 0 Td (Section 7 of Executive Order 10865 specifically)Tj /Span<>> BDC ( )Tj EMC 19.521 0 Td (provides industrial security clearance decisions)Tj -28.186 -1.125 Td (shall be "in terms of the national interest and shall in no sense be a d\ etermination as to the loyalty of the applicant)Tj T* (concerned." )Tj (Security clearance)Tj /Span<>> BDC ( )Tj EMC 12.623 0 Td (decisions cover many characteristics of an applicant other than allegian\ ce, loyalty, and)Tj -12.623 -1.125 Td (patriotism. )Tj 4.555 0 Td (Nothing in this Decision should be construed to suggest that I have base\ d this decision, in whole)Tj /Span<>> BDC ( )Tj EMC 38.828 0 Td (or in part,)Tj -43.383 -1.125 Td (on any express or implied determination as to Applicant's allegiance, lo\ yalty, or patriotism.)Tj /TT1 1 Tf 20.489 -2.125 Td (CONCLUSIONS)Tj ET 0.75 w q 1 0 0 1 261.8652 555 cm 0 0 m 88.02 0 l h S Q BT /TT0 1 Tf 12 0 0 12 16 530.25 Tm (Upon consideration of all the facts in evidence, and after application o\ f all appropriate legal precepts, factors, and)Tj T* (conditions, including those described briefly above, I conclude the foll\ owing with)Tj /Span<>> BDC ( )Tj EMC 33.02 0 Td (respect to the allegations set forth in)Tj -33.02 -1.125 Td (the SOR:)Tj /TT1 1 Tf 15.836 -2.125 Td (Guideline F \(Financial Considerations\))Tj /TT0 1 Tf -15.836 -2.125 Td (The government has met its initial burden under Guideline F. )Tj 24.745 0 Td (Applicant's initial failure to pay her debts is of concern,)Tj -24.745 -1.125 Td (especially in light of her desire to have access to the nation's secrets\ . )Tj 27.615 0 Td (Under)Tj /Span<>> BDC ( )Tj EMC (Guideline F \(Financial Considerations\), ")Tj -27.615 -1.125 Td ([a]n individual who is financially overextended is at risk of having to \ engage in illegal acts to generate funds." )Tj 44.395 0 Td (Directive)Tj -44.395 -1.125 Td (\266 E2.A6.1.1. )Tj (A person who fails)Tj /Span<>> BDC ( )Tj EMC (or refuses to pay long-standing debts or is financially irresponsible ma\ y also be)Tj T* (irresponsible or careless in his or her duty to protect classified infor\ mation.)Tj 0 -2.125 TD (Two Financial Considerations Disqualifying Conditions \(FC DC\) could ra\ ise a security concern and may be)Tj 0 -1.125 TD (disqualifying in this case. )Tj 10.471 0 Td (FC DC 1 applies where an applicant has a history of not)Tj /Span<>> BDC ( )Tj EMC 22.662 0 Td (meeting his or her financial)Tj -33.133 -1.125 Td (obligations. )Tj 4.944 0 Td (Directive \266 E2.A6.1.2.1. )Tj 10.006 0 Td (FC DC 3 applies where an applicant has exhibited inability or unwillingn\ ess to)Tj -14.951 -1.125 Td (satisfy debts. )Tj (Directive \266 E2.A6.1.2.3. )Tj 15.478 0 Td (Applicant's)Tj /Span<>> BDC ( )Tj EMC (actions in initially failing to satisfy her outstanding financial)Tj -15.478 -1.125 Td (obligations give rise to FC DC 1 and 3. )Tj 15.944 0 Td (Applicant admitted she was responsible for all of the debts listed in th\ e SOR,)Tj -15.944 -1.375 Td (except for \266\266 1.a,)Tj /Span<>> BDC ( )Tj EMC 7.125 0 Td (1.e, and 1.i.)Tj 0 0 0.933 rg 9.75 0 0 9.75 157.4922 306.75 Tm ( \(21\))Tj ET 0 0 0.933 RG q 1 0 0 1 157.4922 306 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 176.1733 302.25 Tm ( )Tj (She did not indicate why her debts became delinquent.)Tj -13.348 -2.125 Td (A security concern based on financial problems can be mitigated by subst\ antial evidence under FC MCs 1 or 2 that "the)Tj T* (behavior was not recent" or "it was an isolated incident." )Tj 22.968 0 Td (Directive \266\266)Tj /Span<>> BDC ( )Tj EMC 5.126 0 Td (E2.A6.1.3.1, E2.A6.1.3.2. )Tj (I considered FC MC 1)Tj -28.094 -1.125 Td (and 2, but concluded that neither mitigating condition fully applied bec\ ause there are six debts in SOR \266\266 1.b, 1.f, 1.g,)Tj T* (1.h, 1.j, and 1.k, and they)Tj /Span<>> BDC ( )Tj EMC 10.387 0 Td (have not been paid, and are not in the process of being resolved.)Tj -10.387 -2.125 Td (Applicant disclosed some information to support consideration of FC MC 3\ , "the conditions that resulted in the behavior)Tj T* (were largely beyond the person's control \(e.g., loss of employment, a)Tj /Span<>> BDC ( )Tj EMC 27.812 0 Td (business downturn, unexpected medical)Tj -27.812 -1.125 Td (emergency, or a death, divorce or separation\)." )Tj 19.011 0 Td (Directive \266 E2.A6.1.3.3. )Tj 10.006 0 Td (However, her financial difficulties remain)Tj -29.017 -1.125 Td (largely unexplained. )Tj 8.414 0 Td (She was)Tj /Span<>> BDC ( )Tj EMC (unemployed from June 2003 to June 2004, and she )Tj 24.163 0 Td (was )Tj (employed by a temporary)Tj -32.577 -1.125 Td (employment agency from June 2004 to March 2005.)Tj 9.75 0 0 9.75 267.9414 156.75 Tm ( )Tj 12 0 0 12 270.3789 156.75 Tm (Her security clearance questionnaire indicates that she was)Tj -21.198 -1.125 Td (gainfully employed for seven of the last nine years. )Tj 20.771 0 Td (Although unemployment or underemployment may have caused her)Tj -20.771 -1.125 Td (financial problems, she has not provided enough information about change\ s)Tj /Span<>> BDC ( )Tj EMC 30.576 0 Td (in her financial situation, with linkage to the)Tj -30.576 -1.375 Td (generation of her delinquent debts to warrant full application of FC MC \ 3.)Tj 0 0 0.933 rg 9.75 0 0 9.75 372.25 117.75 Tm ( \(22\))Tj ET q 1 0 0 1 372.25 117 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 16 87.75 Tm (FC MC 6 can mitigate a security concern arising from financial problems)Tj 29.353 0 Td ( when "the individual initiated a good-faith)Tj -29.353 -1.125 Td (effort to repay overdue creditors or otherwise resolve debts," )Tj 24.566 0 Td (\(FC MC 6\). )Tj (Directive \266 E2.A6.1.3.6. )Tj 14.952 0 Td (The Appeal Board)Tj -39.518 -1.125 Td (has defined the concept of good faith, as requiring ")Tj 20.735 0 Td (a showing that a person acts in a way that shows reasonableness,)Tj -20.735 -1.125 Td (prudence, honesty, and adherence)Tj /Span<>> BDC ( )Tj EMC 13.771 0 Td (to duty or obligation." )Tj 9.102 0 Td (ISCR Case No. 02-30304 at 3 \(App. Bd. 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l 300 0 l h f Q 0.173 g q 1 0 0 1 292.7502 707.2497 cm 0 0 m 0.75 0.751 l 0.75 18.751 l 0 19.5 l h f Q 0.502 g q 1 0 0 1 593.4996 726.0003 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 19 755.25 Tm (\266 1.l.)Tj 4.5 0 Td (Medical Debt)Tj 11.25 0 Td ($3,673.00)Tj ET Q BT 0 g 12 0 0 12 294.25 752.25 Tm (paid by garnishment May 12, 2005)Tj ET q 10 36 592 730 re W n BT 9.75 0 0 9.75 462.2266 756.75 Tm (18, 19)Tj ET Q BT 12 0 0 12 19 735 Tm (\266 1.m.)Tj 4.5 0 Td (Medical Debt)Tj 11.25 0 Td ($3,000.98)Tj 7.187 -0.25 Td (paid by garnishment Aug. 24, 2005)Tj 9.75 0 0 9.75 463.8965 736.5 Tm (18,)Tj 12 0 0 12 476.084 732 Tm ( )Tj 9.75 0 0 9.75 479.084 736.5 Tm (19)Tj 12 0 0 12 19 714.75 Tm (\266 1.n.)Tj 4.5 0 Td (Medical Debt)Tj 11.25 0 Td ($2,320.00)Tj 7.187 -0.25 Td (paid by garnishment Nov. 23, 2005)Tj 9.75 0 0 9.75 463.8965 716.25 Tm (18,)Tj 12 0 0 12 476.084 711.75 Tm ( )Tj 9.75 0 0 9.75 479.084 716.25 Tm (19)Tj 12 0 0 12 16 683.25 Tm (The record does not contain an interview by a security investigator. )Tj 27.213 0 Td (There is no personal financial statement in the)Tj -27.213 -1.125 Td (record. )Tj (In response to the SOR, Applicant made a brief statement indicating that\ )Tj /Span<>> BDC ( )Tj EMC 32.352 0 Td (some of her debts are her husband's)Tj -32.352 -1.375 Td (business debts.)Tj 9.75 0 0 9.75 88 657.75 Tm (17)Tj 12 0 0 12 97.75 653.25 Tm ( )Tj (The medical bills that went into collection were paid off through the ga\ rnishment of her pay.)Tj 9.75 0 0 9.75 545.2832 657.75 Tm (19)Tj /TT1 1 Tf 12 0 0 12 277.1992 627.75 Tm (POLICIES)Tj ET 0.75 w q 1 0 0 1 277.1992 627 cm 0 0 m 57.352 0 l h S Q BT /TT0 1 Tf 12 0 0 12 16 602.25 Tm (In an evaluation of an applicant's security suitability, an administrati\ ve judge must consider Enclosure 2 of the)Tj 0 -1.125 TD (Directive, which sets forth adjudicative guidelines. In addition to brie\ f introductory)Tj /Span<>> BDC ( )Tj EMC 33.574 0 Td (explanations for each guideline, the)Tj -33.574 -1.125 Td (adjudicative guidelines are divided into Disqualifying Conditions \(DC\)\ and Mitigating Conditions \(MC\), which are used)Tj T* (to determine an applicant's eligibility)Tj /Span<>> BDC ( )Tj EMC 15.093 0 Td (for access to classified information.)Tj -15.093 -2.125 Td (These adjudicative guidelines are not inflexible ironclad rules of law. \ Instead, recognizing the complexities of human)Tj T* (behavior, an administrative judge should apply these guidelines in conju\ nction)Tj /Span<>> BDC ( )Tj EMC 31.687 0 Td (with the factors listed in the adjudicative)Tj -31.687 -1.125 Td (process provision in Section E2.2, Enclosure 2, of the Directive. An adm\ inistrative judge's overarching adjudicative goal)Tj T* (is a fair, impartial and common)Tj /Span<>> BDC ( )Tj EMC 12.802 0 Td (sense decision.)Tj -12.802 -2.125 Td (Because the entire process is a conscientious scrutiny of a number of va\ riables known as the "whole person concept," an)Tj T* (administrative judge should consider all available, reliable information\ about the person, past and present, favorable and)Tj T* (unfavorable, in making a meaningful decision. Specifically, an administr\ ative judge should consider the nine)Tj T* (adjudicative process factors listed at E2.2.1 of the Directive: \(1\) th\ e nature, extent, and seriousness of the conduct; \(2\))Tj T* (the circumstances surrounding the conduct, to include knowledgeable part\ icipation; \(3\) the frequency and recency of the)Tj T* (conduct; \(4\) the individual's age and maturity at the time of the cond\ uct; \(5\) the voluntariness of participation; \(6\) the)Tj T* (presence or absence of rehabilitation and other pertinent behavioral)Tj /Span<>> BDC ( )Tj EMC 27.183 0 Td (changes; \(7\) the motivation for the conduct; \(8\) the)Tj -27.183 -1.125 Td (potential for pressure, coercion, exploitation, or duress; and \(9\) the\ likelihood of continuation or recurrence.)Tj 0 -2.125 TD (Based upon a consideration of the evidence as a whole, I find the follow\ ing adjudicative guideline most pertinent to an)Tj 0 -1.125 TD (evaluation of the facts of this case:)Tj /TT1 1 Tf 0 -2.125 TD (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 16.887 0 Td (Unexplained affluence is often)Tj /Span<>> BDC ( )Tj EMC (linked to proceeds from financially)Tj -16.887 -1.125 Td (profitable criminal acts. )Tj 10.498 0 Td (Directive \266 )Tj 4.926 0 Td (E2.A6.1.1.)Tj /TT0 1 Tf /Span<>> BDC -15.424 -2.125 Td ( )Tj EMC 0 -2.125 TD (Conditions that could raise a security concern and may be disqualifying,\ as well as those which could mitigate security)Tj 0 -1.125 TD (concerns, pertaining to this adjudicative guideline are set forth and di\ scussed)Tj /Span<>> BDC ( )Tj EMC 30.991 0 Td (in the Conclusions section below.)Tj -30.991 -2.125 Td (Since the protection of the national security is the paramount considera\ tion, the final decision in each case is arrived at)Tj T* (by applying the standard that the issuance of the clearance is "clearly)Tj /Span<>> BDC ( )Tj EMC 27.842 0 Td (consistent with the interests of national security.")Tj -27.842 -1.125 Td (In reaching this decision, I have drawn only those conclusions that are \ reasonable, logical and based on the evidence)Tj T* (contained in the record.)Tj /Span<>> BDC ( )Tj EMC 9.69 0 Td (Likewise, I have avoided drawing inferences grounded on mere speculation\ or conjecture.)Tj -9.69 -2.375 Td (In the decision-making process, facts must be established by "substantia\ l evidence.)Tj 0 0 0.933 rg 9.75 0 0 9.75 414.127 129.75 Tm ( \(19\))Tj ET 0 0 0.933 RG q 1 0 0 1 414.127 129 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 432.8081 125.25 Tm ( )Tj (The government initially has the)Tj -34.734 -1.125 Td (burden of producing evidence to establish a case which demonstrates, in)Tj /Span<>> BDC ( )Tj EMC 29.158 0 Td (accordance with the Directive, that it is not)Tj -29.158 -1.125 Td (clearly consistent with the national interest to grant or continue an ap\ plicant's access to classified information. 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admissions, and denie\ d other allegations in her response to the SOR.)Tj 0 0 0.933 rg 9.75 0 0 9.75 16 558.75 Tm (\(6\))Tj ET 0 0 0.933 RG q 1 0 0 1 16 558 cm 0 0 m 11.369 0 l h S Q BT 0 g 12 0 0 12 27.3687 554.25 Tm ( )Tj (Her admissions are incorporated herein as findings of fact. )Tj 23.909 0 Td (Under)Tj /Span<>> BDC ( )Tj EMC (Guideline F, the SOR listed a total of 14 debts.)Tj -24.856 -1.125 Td (Applicant admitted that she was aware of and responsible for nine debts,\ that were delinquent for at least a year. )Tj 45.095 0 Td (The)Tj -45.095 -1.125 Td (delinquent SOR debts are listed)Tj /Span<>> BDC ( )Tj EMC 12.915 0 Td (in SOR \266\266 1.b, 1.f, 1.g, 1.h, 1.j to 1.n.)Tj -12.915 -2.125 Td (In her response to the SOR, Applicant asserted two of the fourteen SOR d\ ebts \(SOR \266\266 )Tj 35.095 0 Td (1.a and 1.i\) were the)Tj -35.095 -1.125 Td (responsibility of Applicant's )Tj 11.54 0 Td (husband and resulted from his business. )Tj 16.192 0 Td (She denied the)Tj /Span<>> BDC ( 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320.6831 420 cm 0 0 m 13.806 0 l h S Q BT 0 g 12 0 0 12 334.4893 416.25 Tm ( Her current employer has )Tj 10.69 0 Td (employed her for seven of)Tj -37.231 -1.375 Td (the preceding nine years.)Tj 0 0 0.933 rg 9.75 0 0 9.75 135.9473 404.25 Tm ( \(10\))Tj ET q 1 0 0 1 135.9473 403.5 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 154.6284 399.75 Tm ( )Tj (From June 2003 to June 2004, she was)Tj /Span<>> BDC ( )Tj EMC (unemployed, and from June 2004 to March 2005)Tj -11.552 -1.375 Td (she was employed by a temporary employment agency.)Tj 0 0 0.933 rg 9.75 0 0 9.75 282.584 387.75 Tm ( \(11\))Tj ET q 1 0 0 1 282.584 387 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 301.2651 383.25 Tm ( )Tj (Applicant has no prior military service.)Tj 0 0 0.933 rg 9.75 0 0 9.75 492.8784 387.75 Tm ( \(12\))Tj ET q 1 0 0 1 492.8784 387 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 511.5596 383.25 Tm ( )Tj (From September)Tj -41.297 -1.375 Td (1982 to April 1983, she)Tj /Span<>> BDC ( )Tj EMC (attended college, but was not 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ET q 1 0 0 1 351.8887 254.25 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 19 233.25 Tm (\266 1.b.)Tj 4.5 0 Td (Debt)Tj 11.25 0 Td ($772.00)Tj 7.187 -0.25 Td (delinquent as of Feb. 2004)Tj 0 0 0.933 rg 9.75 0 0 9.75 421.8965 234.75 Tm ( \(17\))Tj ET q 1 0 0 1 421.8965 234 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 19 213 Tm (\266 1.c.)Tj 4.5 0 Td (Debt)Tj 11.25 0 Td ($240.00)Tj 7.187 -0.25 Td (paid by garnishment)Tj 0 0 0.933 rg 9.75 0 0 9.75 392.2305 214.5 Tm ( \(18\))Tj ET q 1 0 0 1 392.2305 213.75 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 19 192.75 Tm (\266 1.d.)Tj 4.5 0 Td (Medical Debt)Tj 11.25 0 Td ($135.00)Tj 7.187 -0.25 Td (paid by garnishment)Tj 9.75 0 0 9.75 392.2305 194.25 Tm (19)Tj 12 0 0 12 19 172.5 Tm (\266 1.e.)Tj 4.5 0 Td (Debt)Tj 11.25 0 Td ($519.00)Tj 7.187 -0.25 Td (refuted debt)Tj 9.75 0 0 9.75 351.8887 174 Tm (17)Tj 12 0 0 12 19 152.25 Tm (\266 1.f.)Tj 4.5 0 Td (Consumer Debt)Tj 11.25 0 Td ($6,244.00)Tj 7.187 -0.25 Td (delinquent as of Apr. 2005)Tj 9.75 0 0 9.75 422.5586 153.75 Tm (18)Tj 12 0 0 12 19 132 Tm (\266 1.g.)Tj 4.5 0 Td (Debt)Tj 11.25 0 Td ($72.00)Tj 7.187 -0.25 Td (delinquent as of Sep. 2003)Tj 9.75 0 0 9.75 421.8965 133.5 Tm (18)Tj 12 0 0 12 19 111.75 Tm (\266 1.h.)Tj 4.5 0 Td (Automobile Loan)Tj 11.25 0 Td ($7,679.00)Tj 7.187 -0.25 Td (delinquent as of Sep. 1998)Tj 9.75 0 0 9.75 421.8965 113.25 Tm (18)Tj 12 0 0 12 19 91.5 Tm (\266 1.i.)Tj 4.5 0 Td (Debt)Tj 11.25 0 Td ($9,409.00)Tj 7.187 -0.25 Td (refuted debt)Tj 9.75 0 0 9.75 351.8887 93 Tm (17)Tj 12 0 0 12 19 71.25 Tm (\266 1.j.)Tj 4.5 0 Td (Debt)Tj 11.25 0 Td ($1,099.00)Tj 7.187 -0.25 Td (delinquent as of Apr. 2005)Tj 9.75 0 0 9.75 422.5586 72.75 Tm (17)Tj 12 0 0 12 19 51 Tm (\266 1.k.)Tj 4.5 0 Td (Court Debt)Tj 11.25 0 Td ($1,300.00)Tj 7.187 -0.25 Td (delinquent as of July 2004)Tj 9.75 0 0 9.75 420.9004 52.5 Tm (17)Tj ET EMC endstream endobj 67 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[16.0 556.0 27.0 567.0]/Subtype/Link/Type/Annot>> endobj 68 0 obj <>/BS<>/Border[0 0 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