%PDF-1.6 % 1 0 obj <> endobj 2 0 obj <>stream 2021-07-02T15:55:07-04:00 2021-07-02T15:55:06-04:00 2021-07-02T15:55:07-04:00 Adobe Acrobat 17.0 application/pdf 06-12108.h1 uuid:6e6b1d9d-9306-422f-acd2-038fbe26d559 uuid:f385bbbe-01d5-4ebc-96f6-49b4793bb4e2 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 15 0 obj <>>> endobj 16 0 obj <> endobj 17 0 obj <> endobj 19 0 obj [18 0 R 18 0 R] endobj 20 0 obj [18 0 R 18 0 R] endobj 21 0 obj [18 0 R 18 0 R] endobj 22 0 obj [18 0 R 18 0 R] endobj 23 0 obj [18 0 R 18 0 R] endobj 24 0 obj [18 0 R 18 0 R] endobj 25 0 obj [18 0 R 18 0 R] endobj 26 0 obj [18 0 R 18 0 R] endobj 27 0 obj [18 0 R 18 0 R] endobj 28 0 obj [18 0 R 18 0 R] endobj 29 0 obj [18 0 R 18 0 R] endobj 18 0 obj <><><><><><><><><><><><><><><><><><><><>]/P 16 0 R/Pg 40 0 R/S/Article>> endobj 40 0 obj <>/ProcSet[/PDF/Text]>>/StructParents 0/Type/Page>> endobj 41 0 obj [48 0 R 49 0 R 50 0 R 51 0 R] endobj 42 0 obj <>stream BT /Artifact <>BDC /TT0 1 Tf 9 0 0 9 5 779 Tm (06-12108.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/06-12108.h1.html)Tj 50.296 0 Td ([7/2/2021 3:55:07 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 (March 21, 2007)Tj 0 -3.25 TD (In re:)Tj 0 -2.125 TD (-------------------)Tj T* (SSN: ------------)Tj T* (Applicant for ADP I/II/III Position)Tj 0 -3.25 TD (ADP Case No. 06-12108)Tj /TT1 1 Tf 14.419 -2.125 Td (DECISION OF ADMINISTRATIVE JUDGE)Tj 5.113 -2.125 Td (MARK W. HARVEY)Tj 11.25 0 0 11.25 263.9979 519 Tm (APPEARANCES)Tj ET 0.75 w q 1 0 0 1 263.9979 518.25 cm 0 0 m 83.754 0 l h S Q BT 11.25 0 0 11.25 251.0312 494.25 Tm (FOR GOVERNMENT)Tj /TT0 1 Tf -4.166 -2.2 Td (Julie R. Edmunds, Esq., Department Counsel)Tj /TT1 1 Tf 4.944 -2.2 Td (FOR APPLICANT)Tj /TT0 1 Tf -4.826 -2.2 Td (Phillip Earl Jones, Esq., Applicant's Counsel)Tj /TT1 1 Tf 12 0 0 12 276.5312 394.5 Tm (SYNOPSIS)Tj ET q 1 0 0 1 276.5312 393.75 cm 0 0 m 58.688 0 l h S Q BT /TT0 1 Tf 12 0 0 12 16 369 Tm (Applicant had nine delinquent debts listed on her Statement of Reasons \(\ SOR\) for 2006. Her SOR debts initially became)Tj 0 -1.125 TD (delinquent because of her unemployment. )Tj 16.995 0 Td (Under the "whole person" concept,)Tj /Span<>> BDC ( )Tj EMC 14.256 0 Td (financial considerations are mitigated. )Tj 15.522 0 Td (Her)Tj -46.773 -1.125 Td (false answer on one question on her 2002 and 2004 Questionnaires for Pub\ lic Trust Positions \(SF 85P\) concerning an)Tj T* (arrest and conviction was )Tj 10.441 0 Td (because)Tj /Span<>> BDC ( )Tj EMC (she believed she was not required to provide this information. However, \ her false)Tj -10.441 -1.125 Td (answer on another question concerning debts delinquent over 180 days was\ deliberate and with intent to deceive.)Tj /Span<>> BDC ( )Tj EMC 45.431 0 Td (She)Tj -45.431 -1.125 Td (did not mitigate concerns about personal or criminal conduct. )Tj 24.826 0 Td (Eligibility for an ADP I, II or III position is denied.)Tj /TT1 1 Tf -7.269 -2.125 Td (STATEMENT OF THE CASE)Tj ET q 1 0 0 1 226.6914 275.25 cm 0 0 m 158.367 0 l h S Q BT /TT0 1 Tf 12 0 0 12 16 250.5 Tm (On March 11, 2002, and December 22, 2004, Applicant submitted Questionna\ ires for Public Trust Positions )Tj 43.521 0 Td (\(SF 85P\).)Tj 0 0 0.933 rg 9.75 0 0 9.75 16 238.5 Tm (\(1\))Tj ET 0 0 0.933 RG q 1 0 0 1 16 237.75 cm 0 0 m 11.369 0 l h S Q BT 0 g 12 0 0 12 27.3687 234 Tm ( )Tj (On June 23, 2006, the Defense Office of Hearings and Appeals \(DOHA\))Tj /Span<>> BDC ( )Tj EMC (issued a Statement of Reasons \(SOR\) to her,)Tj 0 0 0.933 rg 9.75 0 0 9.75 16 222 Tm (\(2\))Tj ET q 1 0 0 1 16 221.25 cm 0 0 m 11.369 0 l h S Q BT 0 g 12 0 0 12 27.3687 217.5 Tm ( pursuant to Executive Order 10865, )Tj /TT2 1 Tf 14.802 0 Td (Safeguarding Classified Information Within Industry,)Tj /TT0 1 Tf 21.416 0 Td ( dated February 20, 1960,)Tj -37.166 -1.125 Td (as amended and modified, and)Tj /Span<>> BDC ( )Tj EMC 12.44 0 Td (Department of Defense Directive 5220.6, )Tj /TT2 1 Tf 16.799 0 Td (Defense Industrial Personnel Security)Tj -29.24 -1.375 Td (Clearance Review Program)Tj /TT0 1 Tf 11.164 0 Td ( \(Directive\), dated January 2, 1992, as amended, modified and revised.\ )Tj 0 0 0.933 rg 9.75 0 0 9.75 489.5195 192 Tm ( \(3\))Tj ET q 1 0 0 1 489.5195 191.25 cm 0 0 m 13.806 0 l h S Q BT 0 g 12 0 0 12 503.3257 187.5 Tm ( The SOR alleges)Tj -40.61 -1.125 Td (trustworthiness concerns under Guidelines E \(Personal Conduct\), J \(Cr\ iminal Conduct\), and F \(Financial)Tj T* (Considerations\). The SOR detailed reasons why DOHA could not make the p\ reliminary)Tj /Span<>> BDC ( )Tj EMC 35.409 0 Td (affirmative finding under the)Tj -35.409 -1.125 Td (Directive that it is clearly consistent with the national interest to gr\ ant or continue her access to sensitive information,)Tj T* (and recommended referral to an administrative)Tj /Span<>> BDC ( )Tj EMC 18.992 0 Td (judge to determine whether a such access should be granted, continued,)Tj -18.992 -1.125 Td (denied, or revoked.)Tj 0 -2.125 TD (In an answer, dated August 9, 2006, Applicant responded to the SOR alleg\ ations, and elected to have her case decided at)Tj 0 -1.375 TD (a hearing.)Tj 0 0 0.933 rg 9.75 0 0 9.75 63.3086 82.5 Tm ( \(4\))Tj ET q 1 0 0 1 63.3086 81.75 cm 0 0 m 13.806 0 l h S Q BT 0 g 12 0 0 12 77.1147 78 Tm ( On December 7, 2006, an Administrative Judge held a brief)Tj /Span<>> BDC ( )Tj EMC 24.41 0 Td (hearing, and approved a delay requested by)Tj -29.503 -1.125 Td (Applicant's Counsel \(Ex. 9\). )Tj 11.567 0 Td (On December 18, 2006, the case was transferred to me. On January 30, 200\ 7, her hearing)Tj -11.567 -1.125 Td (was held. I granted Applicant's)Tj /Span<>> BDC ( )Tj EMC 12.621 0 Td (request for delay to submit documentary evidence \(R. 17, 84-86\). 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Guidelines \266 2\(c\).)Tj 0 -2.125 TD (Specifically, an administrative judge should consider the nine adjudicat\ ive process factors listed at Guidelines \266 2\(a\): ")Tj 0 -1.125 TD (\(1\) the nature, extent, and seriousness of the conduct; \(2\) the circ\ umstances)Tj /Span<>> BDC ( )Tj EMC 30.378 0 Td (surrounding the conduct, to include)Tj -30.378 -1.125 Td (knowledgeable participation; \(3\) the frequency and recency of the cond\ uct; \(4\) the individual's age and maturity at the)Tj T* (time of the conduct; \(5\) extent to which)Tj /Span<>> BDC ( )Tj EMC 16.106 0 Td (participation is voluntary; \(6\) the presence or absence of rehabilitat\ ion and other)Tj -16.106 -1.125 Td (permanent behavioral changes; \(7\) the motivation for the conduct; \(8\)\ the potential for pressure, coercion,)Tj /Span<>> BDC ( )Tj EMC 42.568 0 Td (exploitation,)Tj -42.568 -1.125 Td (or duress; and \(9\) the likelihood of continuation or recurrence.")Tj 0 -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 0 -1.125 TD (by applying the standard that "[a]ny doubt concerning personnel being)Tj /Span<>> BDC ( )Tj EMC 28.456 0 Td (considered for access to classified information)Tj -28.456 -1.125 Td (will be resolved in favor of national security." 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Directive \266 )Tj 22.029 0 Td (E3.1.15 provides, "The applicant is responsible )Tj 19.154 0 Td (for)Tj /Span<>> BDC ( )Tj EMC (presenting)Tj -41.184 -1.125 Td (witnesses and other evidence to rebut, explain, extenuate, or mitigate f\ acts admitted by applicant or proven by)Tj 0 -1.125 TD (Department Counsel, and [applicant] has the ultimate burden of persuasio\ n)Tj /Span<>> BDC ( )Tj EMC 30.241 0 Td (as to obtaining a favorable clearance)Tj -30.241 -1.125 Td (decision.")Tj ( )Tj (The burden of disproving a mitigating condition )Tj 23.765 0 Td (never shifts to the Government. )Tj /TT1 1 Tf 12.886 0 Td (See)Tj /TT0 1 Tf ( ISCR Case No. 02-)Tj -36.651 -1.375 Td (31154 at 5 \(App. Bd. Sep. 22, 2005\).)Tj 0 0 0.933 rg 9.75 0 0 9.75 193.3223 407.25 Tm ( \(11\))Tj ET q 1 0 0 1 193.3223 406.5 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 16 377.25 Tm (A person who seeks access to classified information enters into a fiduci\ ary relationship with the government predicated)Tj T* (upon trust and confidence. 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 T* (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 or)Tj T* (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. )Tj 23.453 0 Td (Nothing in this Decision should be construed to suggest that I)Tj -23.453 -1.125 Td (have based this decision, in whole or in part, on any express or implied\ )Tj /Span<>> BDC ( )Tj EMC 28.66 0 Td (determination as to Applicant's allegiance,)Tj -28.66 -1.125 Td (loyalty, or patriotism. )Tj 8.916 0 Td (Executive Order 10865, \247 7.)Tj /TT2 1 Tf 11.573 -2.125 Td (CONCLUSIONS)Tj ET 0 G q 1 0 0 1 261.8652 217.5 cm 0 0 m 88.02 0 l h S Q BT /TT0 1 Tf 12 0 0 12 16 192.75 Tm (Upon consideration of all the facts in evidence, and after application o\ f all appropriate legal precepts, factors, and)Tj 0 -1.125 TD (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 /TT2 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 sensiti\ ve)Tj /Span<>> BDC ( )Tj EMC 28.144 0 Td (information. )Tj 5.221 0 Td (Under Guideline F, "[a]n individual)Tj -33.365 -1.125 Td (who is financially overextended is at risk of having to engage in illega\ l acts to generate funds." )Tj 38.23 0 Td (Directive \266 E2.A6.1.1. )Tj 9.256 0 Td (A)Tj -47.486 -1.125 Td (person who fails or refuses)Tj /Span<>> BDC ( )Tj EMC (to pay long-standing debts or is financially irresponsible may also be i\ rresponsible or)Tj T* (careless in his or her duty to protect sensitive information.)Tj ET EMC endstream endobj 69 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[419.0 516.0 437.0 527.0]/Subtype/Link/Type/Annot>> endobj 70 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[193.0 405.0 211.0 416.0]/Subtype/Link/Type/Annot>> endobj 65 0 obj [71 0 R] endobj 66 0 obj <>stream BT /Artifact <>BDC /TT0 1 Tf 9 0 0 9 5 779 Tm (06-12108.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/06-12108.h1.html)Tj 50.296 0 Td ([7/2/2021 3:55:07 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 16 751.5 Tm (On February 19, 2000, Applicant went to her boyfriend's residence to col\ lect her property because their relationship had)Tj 0 -1.375 TD (ended due to his infidelity.)Tj 0 0 0.933 rg 9.75 0 0 9.75 144.3086 739.5 Tm ( \(9\))Tj ET 0 0 0.933 RG 0.75 w q 1 0 0 1 144.3086 738.75 cm 0 0 m 13.806 0 l h S Q BT 0 g 12 0 0 12 158.1147 735 Tm ( Her boyfriend assaulted and threatened her. She)Tj /Span<>> BDC ( )Tj EMC 19.687 0 Td (struck him on the head with a gun case in)Tj -31.53 -1.125 Td (self-defense. He called the police. She told the police what happened wh\ en they arrived at his residence \(R. 35-36\).)Tj 0 -1.125 TD (Because she showed no signs of injury,)Tj /Span<>> BDC ( )Tj EMC (and he had a scratch on his head, she was arrested and spent the next tw\ o days)Tj T* (in jail \(R. 36-37\). Six months later she pleaded no contest to disorde\ rly conduct \(R. 39\), and she paid a $600 fine. She)Tj T* (received a deferred adjudication, and thought her record was going to be\ expunged \(R. 30, 41\). )Tj 38.209 0 Td (She could not find the)Tj -38.209 -1.125 Td (attorney who handled her assault case \(R. 32\), but he had told)Tj 24.687 0 Td ( her that the)Tj /Span<>> BDC ( )Tj EMC 4.998 0 Td (assault would be expunged and would not)Tj -29.686 -1.125 Td (affect her security clearance \(R. 42\). She put the assault incident be\ hind her, and did not think about it at the time when)Tj T* (she filled out her SF 85P \(R. 43\).)Tj /Span<>> BDC ( )Tj EMC 13.5 0 Td (The only incident that came to mind when she signed the SF 85Ps was her \ DUI \(R.)Tj -13.5 -1.125 Td (52\). )Tj (She checked with the clerk's office and there was no record of her disor\ derly conduct conviction \(R. 48\).)Tj 0 -2.125 TD (SOR \266\266 1.c, 1.d, and 2.a allege Applicant failed to disclose accur\ ate information to Question 20 \(of her March 11, 2002)Tj 0 -1.125 TD (and December 22, 2004 SF 85Ps\), which asks, ")Tj /TT1 1 Tf (YOUR FINANCIAL)Tj /Span<>> BDC ( )Tj EMC 28.378 0 Td (RECORD )Tj /TT0 1 Tf (- )Tj /TT1 1 Tf (180-Day Delinquencies )Tj /TT0 1 Tf (Are you)Tj -28.378 -1.125 Td (now over 180 days delinquent on any loan or financial obligation? \(Incl\ ude loans or obligations funded or guaranteed by)Tj T* (the Federal Government.\)")Tj 10.71 0 Td ( )Tj (Applicant answered, "No.")Tj -10.71 -2.125 Td (At her hearing Applicant said in 2002 after she learned that she would b\ e receiving employment with the government)Tj T* (contractor, she contacted her creditors and set up payment arrangements \ \(R. 55,)Tj /Span<>> BDC ( )Tj EMC 32.127 0 Td (57-58\). She believed she started)Tj -32.127 -1.125 Td (contacting her creditors in January 2002 \(R. 57\). She did not believe \ she was delinquent because she was working with)Tj T* (her creditors to resolve her debts \(R. 56, 58\). )Tj 18.162 0 Td (Her statement about contacting her creditors to make payment)Tj -18.162 -1.125 Td (arrangements is not corroborated by any documentation.)Tj 0 -2.125 TD (A one-page statement received from Applicant after her hearing \(Ex. A\)\ , indicates the first five items listed in the table)Tj 0 -1.125 TD (on page 3, )Tj /TT2 1 Tf (infra)Tj /TT0 1 Tf (, were "settled," but there is no evidence about when they were)Tj /Span<>> BDC ( )Tj EMC 31.751 0 Td (settled. I specifically find that the nine)Tj -31.751 -1.125 Td (debts in SOR \266\266 1.c\(1\) to 1c\(9\) were not settled and the settl\ ement amounts paid )Tj 32.455 0 Td (prior to signing her SF 85P)Tj ET 0 G q 1 0 0 1 405.4551 428.25 cm 0 0 m 130.342 0 l h S Q BT 12 0 0 12 535.7969 429 Tm ( on March)Tj -43.316 -1.125 Td (11, 2002. )Tj (Many of the same delinquent)Tj /Span<>> BDC ( )Tj EMC 15.914 0 Td (debts were reflected on her March 20, 2002, and March 3, 2005, credit bu\ reau)Tj -15.914 -1.125 Td (reports. Moreover, she admitted in her response to the SOR that the SOR \ and the two credit bureau reports accurately)Tj T* (reflected her debts.)Tj 0 -2.125 TD (The last sentence of her post-hearing submission provides, "Items C7-9 a\ nd D4-13 \(Statement of Reasons.\) working)Tj 0 -1.125 TD (with Consumer credit counseling services to consolidate accounts to brin\ g)Tj /Span<>> BDC ( )Tj EMC 29.937 0 Td (current." \(Ex. A\). I specifically find that the)Tj -29.937 -1.125 Td (debts in SOR \266\266 1.d\(4\) to 1.d\(13\) were delinquent prior to her\ signing her SF 85P on December 22, 2004.)Tj 0 -2.125 TD (After considering all the record evidence, I find that she was sincere a\ nd truthful about her intent, and her answer on)Tj 0 -1.125 TD (Question 16 of her SF 85Ps. )Tj (Her failure to disclose her 2000 arrest for assault)Tj /Span<>> BDC ( )Tj EMC 31.271 0 Td (and conviction of disorderly conduct was)Tj -31.271 -1.125 Td (an honest mistake, rather than a deliberate lie. However, her answer on \ Question 20 of her SF 85Ps was deliberately)Tj T* (false. She knew she had multiple debts)Tj /Span<>> BDC ( )Tj EMC 15.774 0 Td (delinquent over 180 days, including a judgment, and she failed to disclo\ se those)Tj -15.774 -1.125 Td (debts.)Tj /TT1 1 Tf 21.767 -2.125 Td (POLICIES)Tj ET q 1 0 0 1 277.1992 230.25 cm 0 0 m 57.352 0 l h S Q BT /TT0 1 Tf 12 0 0 12 16 205.5 Tm (Applicant is assigned to an ADP I, II or III position. )Tj 21.08 0 Td (ADP I and II positions are sensitive positions. )Tj 18.637 0 Td (Regulation \266\266)Tj -39.717 -1.125 Td (C3.1.2.1.1.7 and C3.1.2.1.2.3. )Tj (A memorandum from the Deputy Under Secretary)Tj /Span<>> BDC ( )Tj EMC 32.688 0 Td (of Defense \(Counterintelligence and)Tj -32.688 -1.125 Td (Security\) to Director, Defense Office of Hearings and Appeals \(DOHA\),\ dated November 19, 2004 states DOHA shall)Tj T* (utilize provisions of the Directive to)Tj /Span<>> BDC ( )Tj EMC 14.719 0 Td (resolve ADP I, II and III cases)Tj (.)Tj -14.719 -2.125 Td (In an evaluation of an applicant's trustworthiness suitability, an admin\ istrative judge must consider the "Adjudicative)Tj T* (Guidelines for Determining Eligibility For Access to Classified Informat\ ion")Tj /Span<>> BDC ( )Tj EMC 31.041 0 Td (\(Guidelines\). In addition to brief)Tj -31.041 -1.125 Td (introductory explanations for each guideline, the adjudicative guideline\ s are divided into Disqualifying Conditions \(DC\))Tj T* (and Mitigating Conditions \(MC\), which are)Tj /Span<>> BDC ( )Tj EMC 17.692 0 Td (used to determine an applicant's eligibility for access to classified)Tj -17.692 -1.125 Td (information.)Tj 0 -2.125 TD (These Guidelines are not inflexible ironclad rules of law. Instead, reco\ gnizing the complexities of human behavior, an)Tj 0 -1.125 TD (administrative judge should apply these Guidelines in conjunction with t\ he)Tj /Span<>> BDC ( )Tj EMC 30.217 0 Td (factors listed in the adjudicative process.)Tj ET EMC endstream endobj 71 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[144.0 737.0 158.0 748.0]/Subtype/Link/Type/Annot>> endobj 63 0 obj [72 0 R 73 0 R] endobj 64 0 obj <>stream BT /Artifact <>BDC /TT0 1 Tf 9 0 0 9 5 779 Tm (06-12108.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/06-12108.h1.html)Tj 50.296 0 Td ([7/2/2021 3:55:07 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 (agencies.)Tj ET Q BT 0 g 12 0 0 12 16 729.75 Tm (Applicant was unemployed from November 1999 to March 2000, and again fro\ m March 2001 until January 2002. She)Tj 0 -1.125 TD (worked as a bartender from January 2002 until starting her current emplo\ yment)Tj /Span<>> BDC ( )Tj EMC 32.045 0 Td (on March 11, 2002 \(Ex. 1 at 3\). Her)Tj -32.045 -1.125 Td (finances were in turmoil because of the unemployment and underemployment\ \(R. 49-50\). )Tj 36.101 0 Td (She was "ditching creditors)Tj -36.101 -1.125 Td (all that time" \(R. 59\). )Tj 8.768 0 Td (She was sending)Tj /Span<>> BDC ( )Tj EMC (other creditors $10 or $20 \(R. 61\).)Tj -8.768 -2.125 Td (For the judgment in SOR \266 3.a, Applicant bought a vacuum cleaner for \ $1,700 in 1998. )Tj 35.169 0 Td (She had difficulty making)Tj -35.169 -1.125 Td (payments because of unemployment. )Tj 15.079 0 Td (She attempted to return the vacuum cleaner)Tj /Span<>> BDC ( )Tj EMC 17.632 0 Td (and to settle the debt. She sent a)Tj -32.711 -1.125 Td (creditor $400, but after she paid she realized she had no proof of her p\ ayment \(R. 72\). Ultimately, she did not pay)Tj T* (because she was unsure about where or who to)Tj /Span<>> BDC ( )Tj EMC 18.966 0 Td (send the money \(R. 72\).)Tj -18.966 -2.125 Td (Applicant paid the debt in SOR \266 1.c\(2\) for $1,075 \( R. 77\), and \ subsequent credit reports did not list this debt. )Tj 44.529 0 Td (In 2005,)Tj -44.529 -1.125 Td (she indicated her payments on her student loans were deferred \(Ex. 4 at\ 3\).)Tj /Span<>> BDC ( )Tj EMC 30.156 0 Td (At the time of her hearing, her student loan)Tj -30.156 -1.125 Td (and credit cards were paid off \(R. 26, 68, 77, 80\). )Tj 19.994 0 Td (She believed the only bill that was unpaid were some medical bills)Tj -19.994 -1.125 Td (\(totaling approximately $2,000\) \(R.)Tj /Span<>> BDC ( )Tj EMC 14.497 0 Td (27, 66\). )Tj (Her only loan is her car loan \(R. 68\). Her financial situation is much\ better)Tj -14.497 -1.125 Td (now \(R. 49\). )Tj (She was not paying the medical bills in SOR \266\266 3.e and 3.f \(toget\ her totaling about $400\) because)Tj /Span<>> BDC ( )Tj EMC 44.703 0 Td (the debt)Tj -44.703 -1.125 Td (was being transferred between collectors and she wanted to avoid double \ payments \(R. 62, 79\). She also recognized she)Tj T* (was behind on her utilities \(SOR \266 3.b of $207, and SOR \266 3.d of)Tj /Span<>> BDC ( )Tj EMC 26.293 0 Td ($710\) \(R. 79\). )Tj (The SOR debts in \266\266 3.b and 3.d are)Tj -26.293 -1.125 Td (evidently duplications of the same debt. She disputed the television cab\ le bill in SOR \266 3.h \($ 658\) because it related to)Tj T* (equipment that they failed)Tj /Span<>> BDC ( )Tj EMC 10.719 0 Td (to pick up \(R. 26, 77\).)Tj -10.719 -2.125 Td (Applicant's take home pay after deductions is $3,680 per month \(R. 64\)\ . Her rent was about $1,000 per month and is)Tj T* (now decreased to $725 per month \(R. 64\). Her monthly bills are approxi\ mately: electricity \($600\), telephone \($120 to)Tj T* ($300\), water \($75\), television \($120\), medical \($100\), car paymen\ t \($620\), car insurance \($230\), gasoline \($400\),)Tj T* (groceries \($800\), and clothing \($400\) \(R. 64-67\). She explained th\ at her monthly bills varied considerably from month-)Tj T* (to-month, and no average was available. )Tj /TT1 1 Tf 16.383 0 Td (Id)Tj /TT0 1 Tf (. She has about $2,000 in her savings account \(R. 69\).)Tj -16.383 -2.125 Td (At her hearing, Applicant indicated she did not receive any formal finan\ cial counseling \(R. 68\). After her hearing, she)Tj T* (provided a certificate explaining she received financial counseling on "\ February)Tj /Span<>> BDC ( )Tj EMC 32.284 0 Td (27, 2006" \(Ex. A\). )Tj (I find the actual date)Tj -32.284 -1.125 Td (of financial counseling was February 27, 2007.)Tj 0 -2.125 TD (Applicant was not prepared to thoroughly address her financial issues at\ her hearing \(R. 79-82\). )Tj 38.517 0 Td (She conceded the)Tj -38.517 -1.125 Td (financial facts as stated in the SOR were correct \(R. 82\). She agreed \ for every debt,)Tj /Span<>> BDC ( )Tj EMC 33.57 0 Td (to provide the current status,)Tj -33.57 -1.125 Td (including when the creditor was contacted and if payments or a payment p\ lan have been made \(R. 81-82\). Applicant's)Tj 0 -1.125 TD (counsel agreed that a delay until March 1, 2007,)Tj /Span<>> BDC ( )Tj EMC 19.521 0 Td (would allow sufficient time to provide additional matters concerning)Tj -19.521 -1.125 Td (payment of debts, and more precise information about her income and debt\ s \(R. 84-86, 99, 101-102\). )Tj 40.684 0 Td (After the hearing)Tj -40.684 -1.125 Td (was over,)Tj /Span<>> BDC ( )Tj EMC (Applicant provided a list of debts she had paid or settled, including se\ veral that were not listed on the SOR, a)Tj T* (certificate establishing financial counseling, and a character reference\ \(Ex. A\). She was)Tj /Span<>> BDC ( )Tj EMC 35.178 0 Td (reluctant to make any payments)Tj -35.178 -1.125 Td (on her delinquent debts now because she may lose her job because of the \ trustworthiness determination \(R. 62\).)Tj 0 -2.125 TD (A character reference who has known Applicant for ten years said she sho\ ws a high degree of integrity and)Tj 0 -1.375 TD (responsibility.)Tj 0 0 0.933 rg 9.75 0 0 9.75 84.332 200.25 Tm ( \(7\))Tj ET 0 0 0.933 RG 0.75 w q 1 0 0 1 84.332 199.5 cm 0 0 m 13.806 0 l h S Q BT 0 g 12 0 0 12 98.1382 195.75 Tm ( )Tj (She puts the needs and welfare of her children first. )Tj 21.104 0 Td (She shows diligence)Tj /Span<>> BDC ( )Tj EMC 8.416 0 Td (and dedication in her support)Tj -36.364 -1.125 Td (for the Department of Defense. She has good judgment, maturity, and demo\ nstrates a logical approach problem)Tj 0 -1.125 TD (solutions. She is an outstanding asset to her company)Tj /Span<>> BDC ( )Tj EMC 21.553 0 Td (and the Department of Defense.)Tj /TT2 1 Tf -4.217 -2.125 Td (Personal and Criminal Conduct)Tj /TT0 1 Tf -17.336 -2.125 Td (SOR \266\266 1.a, 1.b, and 2.a allege Applicant failed to disclose accur\ ate information to Question 16 \(of her March 11, 2002)Tj T* (and December 22, 2004 SF 85Ps\), which asks, ")Tj /TT2 1 Tf (YOUR POLICE RECORD)Tj /TT0 1 Tf /Span<>> BDC 30.879 0 Td ( )Tj EMC (In the last seven years, have you been)Tj -30.879 -1.375 Td (arrested for, charged with, or convicted of any offense\(s\)? \(Leave ou\ t traffic fines of less than $150.\)")Tj 0 0 0.933 rg 9.75 0 0 9.75 504.3672 92.25 Tm ( \(8\))Tj ET q 1 0 0 1 504.3672 91.5 cm 0 0 m 13.806 0 l h S Q BT 0 g 12 0 0 12 518.1733 87.75 Tm ( )Tj (Applicant)Tj -41.848 -1.125 Td (answered, "Yes," and disclosed that she)Tj /Span<>> BDC ( )Tj EMC 16.146 0 Td (received fines and probation for driving under the influence \(DUI\) of \ alcohol on)Tj -16.146 -1.125 Td (January 24, 2000 )Tj (on both SF 85Ps \(R. 37; Ex. 1 at 5; Ex. 2 at 6\). She did not disclose \ any other arrests, charges or)Tj T* (convictions on her SF 85Ps.)Tj ET EMC endstream endobj 72 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[84.0 198.0 98.0 209.0]/Subtype/Link/Type/Annot>> endobj 73 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[504.0 90.0 518.0 101.0]/Subtype/Link/Type/Annot>> endobj 61 0 obj [74 0 R 75 0 R] endobj 62 0 obj <>stream BT /Artifact <>BDC /TT0 1 Tf 9 0 0 9 5 779 Tm (06-12108.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/06-12108.h1.html)Tj 50.296 0 Td ([7/2/2021 3:55:07 PM])Tj EMC ET 1 g 10 36 591.75 729.75 re f 0.502 g q 1 0 0 1 16.0002 486.7497 cm 0 0 m 0.75 -0.75 l 579 -0.75 l 579.749 0 l h f Q 0.173 g q 1 0 0 1 16.7499 115.4997 cm 0 0 m -0.75 -0.75 l 579 -0.75 l 578.25 0 l h f Q 0.502 g q 1 0 0 1 16.0002 114.75 cm 0 0 m 0.75 0.75 l 0.75 371.25 l 0 372 l h f Q 0.173 g q 1 0 0 1 594.9999 486 cm 0 0 m 0 -370.5 l 0.75 -371.25 l 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0 0 1 197.4996 149.2497 cm 0 0 m 0 -14.999 l 0.751 -15.75 l 0.751 0.751 l h f Q 0.173 g q 1 0 0 1 198.9999 150.0003 cm 0 0 m 0.75 -0.751 l 87 -0.751 l 87.75 0 l h f Q 0.502 g q 1 0 0 1 199.7496 134.2503 cm 0 0 m -0.75 -0.751 l 87 -0.751 l 86.251 0 l h f Q 0.173 g q 1 0 0 1 198.9999 133.4997 cm 0 0 m 0.75 0.751 l 0.75 15.75 l 0 16.501 l h f Q 0.502 g q 1 0 0 1 286.0002 149.2497 cm 0 0 m 0 -14.999 l 0.75 -15.75 l 0.75 0.751 l h f Q 0.173 g q 1 0 0 1 287.4996 150.0003 cm 0 0 m 0.751 -0.751 l 306 -0.751 l 306.751 0 l h f Q 0.502 g q 1 0 0 1 288.2502 134.2503 cm 0 0 m -0.751 -0.751 l 306 -0.751 l 305.249 0 l h f Q 0.173 g q 1 0 0 1 287.4996 133.4997 cm 0 0 m 0.751 0.751 l 0.751 15.75 l 0 16.501 l h f Q 0.502 g q 1 0 0 1 593.4996 149.2497 cm 0 0 m 0 -14.999 l 0.751 -15.75 l 0.751 0.751 l h f Q 0.173 g q 1 0 0 1 17.4996 132.75 cm 0 0 m 0.751 -0.75 l 180 -0.75 l 180.751 0 l h f Q 0.502 g q 1 0 0 1 18.2502 117 cm 0 0 m -0.751 -0.75 l 180 -0.75 l 179.249 0 l h f Q 0.173 g q 1 0 0 1 17.4996 116.2503 cm 0 0 m 0.751 0.75 l 0.751 15.75 l 0 16.5 l h f Q 0.502 g q 1 0 0 1 197.4996 132.0003 cm 0 0 m 0 -15 l 0.751 -15.75 l 0.751 0.75 l h f Q 0.173 g q 1 0 0 1 198.9999 132.75 cm 0 0 m 0.75 -0.75 l 87 -0.75 l 87.75 0 l h f Q 0.502 g q 1 0 0 1 199.7496 117 cm 0 0 m -0.75 -0.75 l 87 -0.75 l 86.251 0 l h f Q 0.173 g q 1 0 0 1 198.9999 116.2503 cm 0 0 m 0.75 0.75 l 0.75 15.75 l 0 16.5 l h f Q 0.502 g q 1 0 0 1 286.0002 132.0003 cm 0 0 m 0 -15 l 0.75 -15.75 l 0.75 0.75 l h f Q 0.173 g q 1 0 0 1 287.4996 132.75 cm 0 0 m 0.751 -0.75 l 306 -0.75 l 306.751 0 l h f Q 0.502 g q 1 0 0 1 288.2502 117 cm 0 0 m -0.751 -0.75 l 306 -0.75 l 305.249 0 l h f Q 0.173 g q 1 0 0 1 287.4996 116.2503 cm 0 0 m 0.751 0.75 l 0.751 15.75 l 0 16.5 l h f Q 0.502 g q 1 0 0 1 593.4996 132.0003 cm 0 0 m 0 -15 l 0.751 -15.75 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 record \(R.\) on February 7, 2007. I received additional documen\ tary evidence from Applicant on March)Tj /Span<>> BDC ( )Tj EMC 44.734 0 Td (2, 2007,)Tj ET Q BT 0 g 12 0 0 12 16 741.75 Tm (which I admitted into evidence as Exhibit A.)Tj /TT1 1 Tf 19.406 -2.125 Td (FINDINGS OF FACT)Tj ET 0.75 w q 1 0 0 1 248.8721 715.5 cm 0 0 m 114.006 0 l h S Q BT /TT0 1 Tf 12 0 0 12 16 690.75 Tm (As to the factual allegations under Guidelines E, J and F, Applicant adm\ itted the facts in the following SOR paragraphs:)Tj 0 -1.125 TD (1.a\(1\) \(she was arrested and charged with a criminal offense that she\ did not)Tj /Span<>> BDC ( )Tj EMC 30.739 0 Td (disclose on her SF 85P\); 1.c\(1\) to 1.c\(9\))Tj -30.739 -1.125 Td (\(she had nine delinquent debts listed in a 2002 credit report\); 1.d\(1\ \) to 1.d\(14\) \(she had fourteen delinquent debts listed)Tj T* (in a 2005 credit report\); and 3.a to 3.i)Tj /Span<>> BDC ( )Tj EMC 15.19 0 Td (\(she had nine delinquent debts listed in a 2006 credit report\). )Tj 24.549 0 Td (She denied the other)Tj -39.739 -1.125 Td (SOR allegations without elaboration. Her admissions are incorporated her\ ein as findings of fact. )Tj 38.74 0 Td (After a complete)Tj /Span<>> BDC ( )Tj EMC 6.969 0 Td (and)Tj -45.709 -1.125 Td (thorough review of the evidence, and upon due consideration of the same,\ I make the following additional findings of)Tj T* (fact.)Tj 0 -2.375 TD (Applicant is 39 years old \(R. 35\).)Tj 0 0 0.933 rg 9.75 0 0 9.75 175.9727 585.75 Tm ( \(5\))Tj ET 0 0 0.933 RG q 1 0 0 1 175.9727 585 cm 0 0 m 13.806 0 l h S Q BT 0 g 12 0 0 12 189.7788 581.25 Tm ( )Tj (She is a high school graduate, and received a diploma in electronic engi\ neering)Tj -14.482 -1.125 Td (from a technical school in 1988 \(R. 35\). )Tj 16.218 0 Td (She is a single mother with three children)Tj /Span<>> BDC ( )Tj EMC 16.885 0 Td (\(R. 22-23\). She has no prior military)Tj -33.103 -1.125 Td (service. She has been employed by government contractors for 15 years an\ d on her current contract since March 2002)Tj 0 -1.125 TD (\(R. 22\). Her current employment involves)Tj /Span<>> BDC ( )Tj EMC 17.051 0 Td (engineering for computer systems and information technology.)Tj -17.051 -2.125 Td (The following table lists the amounts of the SOR debts, when they were c\ harged off and/or placed for collection \(as)Tj T* (alleged in the SOR\) and their current status.)Tj /TT1 1 Tf 6.233 -2.375 Td (SOR \266)Tj 9.77 0 Td (SOR )Tj (Amount)Tj 6.747 0 Td (Account type, date charged off or placed for)Tj 0 -2.125 TD (collection, and some current status information)Tj /TT0 1 Tf -16.274 -1.437 Td (1.c\(1\))Tj 11.055 0 Td ($1,310)Tj 5.219 0 Td (Financial account debt-Dec. 1998)Tj -16.274 -1.437 Td (1.c\(2\))Tj 11.055 0 Td ($1,075)Tj 5.219 0 Td (Paid bank account debt-Feb. 1999)Tj -18.121 -1.437 Td (1.c\(3\) & 1.d\(1\))Tj 13.277 0 Td ($433)Tj 4.844 0 Td (Credit card account debt-Apr. 1999)Tj -16.274 -1.437 Td (1.c\(4\))Tj 11.43 0 Td ($505)Tj 4.844 0 Td (Financial account debt-Sep. 1999)Tj -18.121 -1.437 Td (1.c\(5\) & 1.d\(2\))Tj 12.902 0 Td ($1,468)Tj 5.219 0 Td (Financial account debt-Oct. 1999)Tj -19.093 -1.437 Td (1.c\(6\), 1.d\(3\), & 3.a)Tj 13.874 0 Td ($1,669)Tj 5.219 0 Td (Judgment on vacuum cleaner account-Nov. 1999)Tj -18.121 -1.437 Td (1.c\(7\) & 1.d\(4\))Tj 13.277 0 Td ($582)Tj 4.844 0 Td (Financial account \(increased to $635\)-Nov. 2000)Tj -19.093 -1.437 Td (1.c\(8\), 1.d\(6\), & 3.c)Tj 14.249 0 Td ($119)Tj 4.844 0 Td (IC Systems account-Apr. 2001)Tj -19.121 -1.437 Td (1.c\(9\), 1.d\(7\), & 3.g)Tj 14.527 0 Td ($82)Tj 4.594 0 Td (Cable television account, increased to $207 by May)Tj T* (2006-Aug. 2001)Tj -20.399 -1.437 Td (1.d\(5\), 1.d \(10\), 3.b, & 3.d)Tj 15.555 0 Td ($214)Tj 4.844 0 Td (Utilities services debt \266 1.d\(10\) indicates this debt)Tj T* (increased to )Tj 5.053 0 Td ($710 -Mar. 2001)Tj -21.355 -1.437 Td (1.d\(8\))Tj 11.458 0 Td ($598)Tj 4.844 0 Td (Collection account-Jan. 2001)Tj -16.302 -1.437 Td (1.d\(9\))Tj 11.458 0 Td ($269)Tj 4.844 0 Td (Collection account-May 2002)Tj -16.552 -1.437 Td (1.d\(11\))Tj 11.958 0 Td ($59)Tj 4.594 0 Td (Professional services account-Oct. 2003)Tj -21.176 -1.437 Td (1.d\(12\), 1.d \(13\), 3.e, 3.f & 3.i)Tj 16.332 0 Td ($500)Tj 4.844 0 Td (Three medical debts totaling together about $500)Tj -16.552 -1.437 Td (1.d\(14\))Tj 11.708 0 Td ($311)Tj 4.844 0 Td (Credit account-July 2004)Tj -15.719 -1.437 Td (3.h)Tj 10.875 0 Td ($658)Tj 4.844 0 Td (Disputed account for television services-Sep. 2005)Tj -22.75 -2.375 Td (The SOR alleges that Applicant was required to disclose the debts listed\ above for SOR \266\266 1.c\(1\) to 1.c\(9\) on her 2002)Tj 0 -1.125 TD (SF 85P. )Tj (She was required to disclose the debts listed above for SOR \266\266 1.d\ \(1\))Tj /Span<>> BDC ( )Tj EMC 31.375 0 Td (to 1.d\(14\) on her 2004 SF 85P. )Tj (The debts)Tj -31.375 -1.125 Td (listed above for SOR \266 3.a to 3.i were delinquent at the time of her \ 2006 credit report. )Tj 34.527 0 Td (The majority of the debts listed in)Tj -34.527 -1.125 Td (the above table resulted from)Tj /Span<>> BDC ( )Tj EMC 11.912 0 Td (medical care her children received, which debts were then sold to variou\ s collection)Tj ET q 10 36 592 730 re W n BT 0 0 0.933 rg 9.75 0 0 9.75 60.3086 39.75 Tm ( \(6\))Tj ET Q q 1 0 0 1 60.3086 39 cm 0 0 m 13.806 0 l h S Q EMC endstream endobj 74 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[176.0 583.0 190.0 594.0]/Subtype/Link/Type/Annot>> endobj 75 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[60.0 37.0 74.0 48.0]/Subtype/Link/Type/Annot>> endobj 48 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[16.0 236.0 27.0 247.0]/Subtype/Link/Type/Annot>> endobj 49 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[16.0 219.0 27.0 230.0]/Subtype/Link/Type/Annot>> endobj 50 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[489.0 189.0 503.0 200.0]/Subtype/Link/Type/Annot>> endobj 51 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[63.0 80.0 77.0 91.0]/Subtype/Link/Type/Annot>> endobj 39 0 obj <>/ProcSet[/PDF/Text]>>/StructParents 10/Type/Page>> endobj 76 0 obj <>stream BT /Artifact <>BDC /TT0 1 Tf 9 0 0 9 5 779 Tm (06-12108.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/06-12108.h1.html)Tj 50.296 0 Td ([7/2/2021 3:55:07 PM])Tj EMC ET 1 g 10 166.5 591.75 599.25 re f /Article <>BDC EMC BT /Article <>BDC 0 g 12 0 0 12 16 748.5 Tm (In order to qualify for application of Financial Considerations Mitigati\ ng Condition 6, an applicant must present)Tj 0 -1.125 TD (evidence showing either a good-faith effort to repay overdue creditors o\ r some other)Tj /Span<>> BDC ( )Tj EMC 34.015 0 Td (good-faith action aimed at)Tj -34.015 -1.125 Td (resolving the applicant's debts. )Tj 12.539 0 Td (The Directive does not define the term 'good-faith.' )Tj 20.714 0 Td (However, the Board has indicated)Tj -33.253 -1.125 Td (that the concept of good-faith 'requires a showing)Tj /Span<>> BDC ( )Tj EMC 20.063 0 Td (that a person acts in a way that shows reasonableness, prudence,)Tj -20.063 -1.125 Td (honesty, and adherence to duty or obligation.' )Tj 18.481 0 Td (Accordingly, an applicant must do more than merely show that he or she)Tj -18.481 -1.125 Td (relied on a)Tj /Span<>> BDC ( )Tj EMC 4.47 0 Td (legally available option \(such as bankruptcy\) in order to claim the be\ nefit of Financial Considerations)Tj -4.47 -1.125 Td (Mitigating Condition 6.)Tj 0 -2.125 TD (\(internal citation and footnote omitted\) ISCR Case No. 02-30304 at 3 \(\ App. Bd. Apr. 20, 2004\) \(quoting ISCR Case No.)Tj 0 -1.125 TD (99-9020 at 5-6 \(App. Bd. June 4, 2001\)\). )Tj /TT1 1 Tf (Cf)Tj /TT0 1 Tf (. ISCR Case No. 01-04425 at)Tj /Span<>> BDC ( )Tj EMC (3-4 \(App. Bd. May 17, 2002\) \(adverse)Tj T* (Guideline F conclusions possible where applicant chose not to pay her de\ linquent debts, waited until her creditors)Tj T* (ceased trying to collect those delinquent)Tj /Span<>> BDC ( )Tj EMC 16.328 0 Td (debts, and they were eventually dropped from her credit report.\).)Tj -16.328 -2.125 Td (16. )Tj (The )Tj (Appeal Board has cogently explained the process for analyzing falsificat\ ion cases, stating)Tj 39.126 0 Td (:)Tj -39.126 -2.125 Td (\(a\) when a falsification allegation is controverted, Department Counse\ l has the burden of proving falsification; \(b\) proof)Tj T* (of an omission, standing alone, does not establish or prove an applicant\ 's intent or state of mind when the omission)Tj T* (occurred; and \(c\) a Judge must consider the record evidence as a whole\ to determine whether there is direct or)Tj T* (circumstantial evidence concerning the applicant's intent or state of mi\ nd at the time the omission occurred. [Moreover],)Tj T* (it was legally permissible for the Judge to conclude Department Counsel \ had established a prima facie case under)Tj T* (Guideline E and the burden of persuasion had shifted to the applicant to\ present evidence to explain the omission.)Tj 0 -2.125 TD (ISCR Case No. 03-10380 at 5 \(App. Bd. Jan. 6, 2006\) \(citing )Tj 24.692 0 Td (ISCR Case No. 02-23133 \(App. Bd. June 9, 2004\)\))Tj (.)Tj -24.692 -2.125 Td (17. )Tj (In ISCR Case No. 04-08934 at 2 \(App. Bd. Aug. 17, 2006\) the Board stat\ ed that an applicant's statements about his)Tj 0 -1.125 TD (or her intent and state of mind when the SF 86 was executed were relevan\ t)Tj /Span<>> BDC ( )Tj EMC 30.074 0 Td (but not binding information. )Tj 11.583 0 Td (Moreover, an)Tj -41.656 -1.125 Td (applicant's statements are considered in light of the record evidence of\ a whole. )Tj /TT1 1 Tf 32.001 0 Td (Id)Tj /TT0 1 Tf (. "The security concerns raised by an)Tj -32.001 -1.125 Td (applicant's falsification are not)Tj /Span<>> BDC ( )Tj EMC 12.509 0 Td (necessarily overcome by applicant's subsequent disclosures to the govern\ ment. )Tj /TT1 1 Tf 31.783 0 Td (See )Tj /TT0 1 Tf (ISCR)Tj -44.292 -1.125 Td (Case No. 01-19513 at 5 \(App. Bd. Jan. 22, 2004\).")Tj /TT1 1 Tf ( Id)Tj /TT0 1 Tf (.)Tj 0 -2.125 TD (18. )Tj /TT1 1 Tf (See generally, e.g. )Tj /TT0 1 Tf 9.108 0 Td (ISCR Case No. 98-0394 at 4 \(App. Bd. June 10, 1999\) \(Although the pas\ sage of three years since)Tj -9.108 -1.125 Td (Applicant's last act of misconduct did not, standing alone, compel the J\ udge)Tj /Span<>> BDC ( )Tj EMC 30.618 0 Td (to apply CC MC 1, as a matter of law, the)Tj -30.618 -1.125 Td (Judge erred by failing to give an explanation why he did not apply that \ mitigating condition.\).)Tj T* (19. )Tj ("Conduct not alleged in a SOR may be considered: )Tj 22.154 0 Td (\(a\) to assess an applicant's credibility; \(b\) to evaluate an)Tj -22.154 -1.125 Td (applicant's evidence of extenuation, mitigation, or changed circumstance\ s; \(c\) to)Tj /Span<>> BDC ( )Tj EMC 32.391 0 Td (consider whether an applicant has)Tj -32.391 -1.125 Td (demonstrated successful rehabilitation; \(d\) to decide whether a partic\ ular provision of the Adjudicative Guidelines is)Tj 0 -1.125 TD (applicable; or \(e\) to provide evidence for whole)Tj /Span<>> BDC ( )Tj EMC 19.325 0 Td (person analysis under Directive Section 6.3." )Tj 18.292 0 Td (ISCR Case No. 03-20327)Tj -37.618 -1.125 Td (at 3 \(App. Bd. Oct. 26, 2006\) \(citing )Tj 14.831 0 Td (ISCR Case No. 00-0633 at 3 \(App. Bd. Oct. 24, 2003\)\).)Tj -14.831 -2.125 Td (20. )Tj /TT1 1 Tf (See)Tj /TT0 1 Tf ( ISCR 04-07360 at 2 \(App. Bd. Sept. 26, 2006\) \(stating partial credit\ was available under FCMC 6 for debts)Tj T* (being resolved through garnishment\).)Tj 0 -2.125 TD (21. )Tj /TT1 1 Tf (See )Tj /TT0 1 Tf (ISCR Case No. 04-06242 at 2 \(App. Bd. June 28, 2006\).)Tj EMC ET endstream endobj 14 0 obj <> endobj 34 0 obj <>/ProcSet[/PDF/Text]>>/StructParents 5/Type/Page>> endobj 35 0 obj <>/ProcSet[/PDF/Text]>>/StructParents 6/Type/Page>> endobj 36 0 obj <>/ProcSet[/PDF/Text]>>/StructParents 7/Type/Page>> endobj 37 0 obj <>/ProcSet[/PDF/Text]>>/StructParents 8/Type/Page>> endobj 38 0 obj <>/ProcSet[/PDF/Text]>>/StructParents 9/Type/Page>> endobj 85 0 obj <>stream BT /Artifact <>BDC /TT0 1 Tf 9 0 0 9 5 779 Tm (06-12108.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/06-12108.h1.html)Tj 50.296 0 Td ([7/2/2021 3:55:07 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 (1. )Tj (Exhibits \(Exs.\) 1 and 2 \(Questionnaires for Public Trust Positions \(\ SF\) 85P\), dated December 22, 2004, and March)Tj ET Q BT 0 g 12 0 0 12 16 741.75 Tm (11, 2002, respectively\). )Tj 9.664 0 Td (Applicant's certification signature appears on page 6 of)Tj /Span<>> BDC ( )Tj EMC 22.283 0 Td (Exs. 1 and 2. There is an allegation of)Tj -31.947 -1.125 Td (falsification of these SF 85Ps in SOR \266\266 1 and 2.)Tj 0 -2.125 TD (2. )Tj (Ex. 10 \(Statement of Reasons \(SOR\), dated June 23, 2006\). Exhibit 10\ is the source for the facts in the remainder of)Tj 0 -1.125 TD (this paragraph.)Tj 0 -2.125 TD (3. )Tj (The Government made a motion to delete all references to Department of D\ efense \(DoD\) Regulation 5200.2-R,)Tj /TT1 1 Tf 0 -1.125 TD (Personnel Security Program)Tj /TT0 1 Tf 11.442 0 Td ( \(Regulation\), dated January 1987, as amended from)Tj /Span<>> BDC ( )Tj EMC 21.216 0 Td (the SOR because the Directive)Tj -32.658 -1.125 Td (controls the disposition of this case. )Tj 14.582 0 Td (Applicant's counsel did not object, and I granted the motion \(R. 11; Ex\ . 12\). )Tj /TT1 1 Tf 30.619 0 Td (See)Tj -45.2 -1.125 Td (also )Tj /TT0 1 Tf (the Policy section of this decision.)Tj 0 -2.125 TD (4. )Tj (Ex. 11 \(Applicant's response to SOR was dated August 9, 2006, and was r\ eceived at DOHA on August 11, 2006\) is)Tj 0 -1.125 TD (the source for the facts in this paragraph and the next paragraph.)Tj 0 -2.125 TD (5. )Tj (Ex. 1, )Tj /TT1 1 Tf (supra)Tj /TT0 1 Tf ( n. 1, provides Applicant's date of birth, education, marital status, re\ latives, and military service)Tj 0 -1.125 TD (information at questions 1, 10, 14, 15 and 16, respectively.)Tj 0 -2.125 TD (6. )Tj (Ex. 4 \(Applicant's statement, dated June 20, 2005, to a Special Investi\ gator of the Office of Personnel Management\))Tj 0 -1.125 TD (at 1-3. )Tj (Ex. 4 is the source for the facts in this and the next three paragraphs,\ )Tj /Span<>> BDC ( )Tj EMC 30.435 0 Td (unless stated otherwise.)Tj -30.435 -2.125 Td (7. )Tj (Ex. A at 4 is the source for the information in this paragraph.)Tj 0 -2.125 TD (8. )Tj (The Security Clearance Application Standard Form \(SF\) 86 \(September 1\ 995 version\) was not used in this case)Tj 0 -1.125 TD (because the issue is Trustworthiness or Public Trust, rather than a secu\ rity)Tj /Span<>> BDC ( )Tj EMC 29.909 0 Td (clearance. )Tj 4.274 0 Td (It is noteworthy that the SF 86 has)Tj -34.183 -1.125 Td (specifically asks an applicant to include police or judicial information\ that is expunged or sealed.)Tj 0 -2.125 TD (9. )Tj (Ex. 4, )Tj /TT1 1 Tf (supra)Tj /TT0 1 Tf ( n.6 at 3-6, is the source for facts in this paragraph unless stated oth\ erwise. )Tj 35.937 0 Td (At her hearing, she said her)Tj -35.937 -1.125 Td (statement to the investigator in regard to the assault was correct \(R. \ 85\).)Tj T* (10. )Tj ("Substantial evidence [is] such relevant evidence as a reasonable mind m\ ight )Tj 32.537 0 Td (accept as adequate to support a)Tj -32.537 -1.125 Td (conclusion in light of all the contrary evidence in the record." )Tj 24.844 0 Td (ISCR Case No.)Tj /Span<>> BDC ( )Tj EMC (04-11463 at 2 \(App. Bd. Aug. 4, 2006\))Tj -24.844 -1.125 Td (\(citing Directive \266 E3.1.32.1\). )Tj 12.228 0 Td ("This is something less than the weight of the evidence, and the possibi\ lity of drawing)Tj -12.228 -1.125 Td (two inconsistent conclusions from the)Tj /Span<>> BDC ( )Tj EMC 15.415 0 Td (evidence does not prevent [a Judge's] finding from being supported by su\ bstantial)Tj -15.415 -1.125 Td (evidence." )Tj /TT1 1 Tf 4.461 0 Td (Consolo v. Federal Maritime Comm'n)Tj /TT0 1 Tf 15.24 0 Td (, 383 U.S. 607, 620 \(1966\). )Tj ("Substantial evidence" is "more than)Tj /Span<>> BDC ( )Tj EMC 26.11 0 Td (a)Tj -45.812 -1.375 Td (scintilla but less than a preponderance." )Tj /TT1 1 Tf 16.153 0 Td (See v.Washington Metro. Area Transit Auth)Tj /TT0 1 Tf 17.526 0 Td (., 36 F.3d 375, 380 \(4)Tj 9.75 0 0 9.75 523.8145 297.75 Tm (th)Tj 12 0 0 12 531.3983 293.25 Tm ( Cir. 1994\).)Tj -42.95 -2.125 Td (11. )Tj ("The Administrative Judge [considers] the record evidence as a whole, bo\ th favorable and unfavorable, evaluate[s])Tj 0 -1.125 TD (Applicant's past and current circumstances in light of pertinent provisi\ ons of the)Tj /Span<>> BDC ( )Tj EMC 32.283 0 Td (Directive, and decide[s] whether)Tj -32.283 -1.125 Td (Applicant ha[s] met his burden of persuasion under Directive )Tj 24.743 0 Td (\266 E3.1.15." )Tj (ISCR Case No. 04-10340 at 2 \(App. Bd. July)Tj -24.743 -1.125 Td (6, 2006\).)Tj 0 -2.125 TD (12. )Tj /TT1 1 Tf (See)Tj /TT0 1 Tf ( ISCR Case No. 02-31154 at 5 \(App. Bd. Sep. 22, 2005\).)Tj T* (13. )Tj /TT1 1 Tf (See)Tj /TT0 1 Tf ( ISCR Case No. 03- 02374 at 4 \(App. Bd. Jan. 26, 2006\) \(citing ISCR C\ ase No. 02-22173 at 4 \(App. Bd. May)Tj 0 -1.125 TD (26, 2004\)\). When making a recency analysis for FC MC 1, all debts are)Tj /Span<>> BDC ( )Tj EMC 28.854 0 Td (considered as a whole.)Tj -28.854 -2.125 Td (14. )Tj ("Even if Applicant's financial difficulties initially arose, in whole or\ in part, due to circumstances outside his control,)Tj T* (the Judge could still consider whether Applicant has since acted in a)Tj /Span<>> BDC ( )Tj EMC 27.547 0 Td (reasonable manner when dealing with those)Tj -27.547 -1.125 Td (financial difficulties." ISCR Case No. 05-11366 at 4 n.9 \(App. Bd. Jan.\ 12, 2007\) \(citing ISCR Case No. 99-0462 at 4)Tj T* (\(App. Bd. May 25, 2000\); ISCR)Tj /Span<>> BDC ( )Tj EMC (Case No. 99-0012 at 4 \(App. Bd. Dec. 1, 1999\); ISCR Case No. 03-13096 \ at 4 \(App.)Tj T* (Bd. Nov. 29, 2005\)\).)Tj 0 -2.125 TD (15. )Tj (The Board has previously explained what constitutes a "good faith" effor\ t to repay overdue creditors or otherwise)Tj 0 -1.125 TD (resolve debts:)Tj ET EMC endstream endobj 83 0 obj [86 0 R] endobj 84 0 obj <>stream BT /Artifact <>BDC /TT0 1 Tf 9 0 0 9 5 779 Tm (06-12108.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/06-12108.h1.html)Tj 50.296 0 Td ([7/2/2021 3:55:07 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 /TT1 1 Tf 12 0 0 12 16 755.25 Tm (Carolina Marine Handling, Inc. v. Lasch)Tj /TT0 1 Tf 16.443 0 Td (, 363 S.C. 169, 175-76, 609 S.E.2d 548, 552 \(S.C. Ct. App. 2005\) )Tj (\(internal)Tj ET Q BT 0 g 12 0 0 12 16 741.75 Tm (quotation marks and citations omitted\). The 4-year Texas statute of lim\ itations \(SOL\) limits the legal collectibility of all)Tj 0 -1.125 TD (except for five of her SOR debts: 3.a \($1,669-judgment not barred by SO\ L\),)Tj /Span<>> BDC ( )Tj EMC 30.715 0 Td (3.e \($230\), 3.f \($266\), 3.g \($207\), and 3.i)Tj -30.715 -1.125 Td (\($100\). )Tj (I conclude that the record evidence establishes her current legal respon\ sibility for these five delinquent debts)Tj 46.623 0 Td (,)Tj -46.623 -1.125 Td (but not the other delinquent SOR)Tj /Span<>> BDC ( )Tj EMC 13.499 0 Td (debts. )Tj (The five delinquent debts total less than $2,500, which is a small amoun\ t in)Tj -13.499 -1.125 Td (comparison to her income. )Tj 10.914 0 Td (Additionally, her financial difficulties stem from her unemployment. )Tj 27.771 0 Td (The degree that she)Tj /Span<>> BDC ( )Tj EMC 8.052 0 Td (is)Tj -46.736 -1.125 Td ("financially overextended," was significantly reduced by payment of seve\ ral other non-SOR debts as well as her student)Tj T* (loans. The absence of evidence of any prior violation of her employer's \ rules)Tj /Span<>> BDC ( )Tj EMC 30.892 0 Td (or requirements, her receipt of financial)Tj -30.892 -1.125 Td (counseling, and her evident sincerity about making future financial prog\ ress all weigh in her favor. )Tj 39.793 0 Td (She has provided)Tj -39.793 -1.125 Td (sufficient evidence of her efforts to)Tj /Span<>> BDC ( )Tj EMC 14.327 0 Td (establish her financial responsibility and rehabilitation. )Tj 22.244 0 Td (She is making sufficient)Tj -36.571 -1.125 Td (progress resolving her debts, and they are not likely to continue to be \ a serious, ongoing, long-term problem. )Tj /TT1 1 Tf 43.712 0 Td (See )Tj /TT0 1 Tf (ISCR)Tj -43.712 -1.125 Td (Case No. 04-07360 at 2, 3 \(App. Bd. Sep. 26, 2006\) \(indicating when a\ mitigating condition cannot be fully applied,)Tj T* ("some credit" is still available under that same mitigating condition\).\ )Tj 0 -2.125 TD (In sum, I conclude she has not mitigated the falsification concerning Qu\ estion 20 of her SF 85Ps. She was not candid at)Tj 0 -1.125 TD (her hearing about knowing about the status of her delinquent debts befor\ e)Tj /Span<>> BDC ( )Tj EMC 29.714 0 Td (signing the 2002 and 2004 SF 85Ps. After)Tj -29.714 -1.125 Td (weighing the disqualifying and mitigating conditions, all the facts and \ circumstances, in the context of the whole person,)Tj T* (I conclude she has mitigated, part,)Tj /Span<>> BDC ( )Tj EMC 13.94 0 Td (but not all of )Tj 5.388 0 Td (the trustworthiness concerns pertaining to personal and criminal)Tj -19.328 -1.125 Td (conduct. )Tj 3.666 0 Td (She has mitigated trustworthiness concerns about her financial considera\ tions.)Tj -3.666 -2.125 Td (The evidence leaves me with questions and doubts as to Applicant's trust\ worthiness eligibility and suitability. I take this)Tj T* (position based on the law, as set forth in )Tj /TT1 1 Tf 16.331 0 Td (Department of Navy v. Egan,)Tj /TT0 1 Tf 11.664 0 Td ( 484)Tj /Span<>> BDC ( )Tj EMC (U.S. 518 \(1988\), my "careful consideration)Tj -27.995 -1.625 Td (of the whole person factors")Tj 0 0 0.933 rg 8.25 0 0 8.25 151.5215 463.5 Tm ( \(21\))Tj ET 0 0 0.933 RG 0.75 w q 1 0 0 1 151.5215 462.75 cm 0 0 m 15.807 0 l h S Q BT 0 g 12 0 0 12 167.3286 455.25 Tm ( and supporting evidence, and my interpretation of my )Tj 21.994 0 Td (responsibilities under Enclosure 2)Tj -34.605 -1.125 Td (of the Directive. Applicant has)Tj /Span<>> BDC ( )Tj EMC 12.551 0 Td (failed to mitigate or overcome the government's case. )Tj 21.645 0 Td (For the reasons stated, I conclude)Tj -34.196 -1.125 Td (she is not eligible for access to sensitive information.)Tj 0 0 1 rg 19.614 -2.125 Td (FORMAL FINDINGS)Tj ET 0 0 1 RG q 1 0 0 1 251.3682 402 cm 0 0 m 109.014 0 l h S Q BT 0 g 12 0 0 12 16 377.25 Tm (Formal findings For or Against Applicant on the allegations set forth in\ the SOR, as required by Section E3.1.25 of)Tj T* (Enclosure 3 of the Directive, are:)Tj 0 -2.125 TD (Paragraph 1, Guideline E: )Tj 10.636 0 Td (AGAINST APPLICANT)Tj -10.636 -2.125 Td (Subparagraphs 1.a and 1.b: For Applicant)Tj T* (Subparagraphs 1.c and 1.d: Against Applicant)Tj T* (Paragraph 2, Guideline J: )Tj 10.414 0 Td (AGAINST APPLICANT)Tj -10.414 -2.125 Td (Subparagraph 2.a: )Tj 7.525 0 Td (Against Applicant)Tj -7.525 -2.125 Td (Paragraph 3, Guideline F: )Tj 10.581 0 Td (FOR APPLICANT)Tj -10.581 -2.125 Td (Subparagraphs 3.a to 3.i: For Applicant)Tj /TT2 1 Tf 21.683 -2.125 Td (DECISION)Tj ET 0 G q 1 0 0 1 276.2002 159 cm 0 0 m 59.35 0 l h S Q BT /TT0 1 Tf 12 0 0 12 16 134.25 Tm (In light of all the circumstances presented by the record in this case, \ it is not clearly consistent with the national interest)Tj 0 -1.125 TD (to grant or continue eligibility for a public trust position for Applica\ nt.)Tj 28.217 0 Td ( )Tj (Eligibility for an ADP I, II or III position is)Tj -28.217 -1.125 Td (denied.)Tj 20.755 -2.125 Td (Mark W. Harvey)Tj -0.89 -2.125 Td (Administrative Judge)Tj ET EMC endstream endobj 86 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[151.0 462.0 167.0 471.0]/Subtype/Link/Type/Annot>> endobj 81 0 obj [87 0 R 88 0 R 89 0 R] endobj 82 0 obj <>stream BT /Artifact <>BDC /TT0 1 Tf 9 0 0 9 5 779 Tm (06-12108.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/06-12108.h1.html)Tj 50.296 0 Td ([7/2/2021 3:55:07 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 (Accordingly, CC DC 1 and 2 apply because Applicant committed a single se\ rious offense, a violation of 18 U.S.C. \247)Tj ET Q BT 0 g 12 0 0 12 16 741.75 Tm (1001, which is a felony.)Tj 0 -2.125 TD (Security concerns based on criminal conduct can be mitigated by showing \ that it was not recent \(CC MC 1\). )Tj ET 0.75 w q 1 0 0 1 16 715.5 cm 0 0 m 522.539 0 l h S Q BT 12 0 0 12 538.5391 716.25 Tm (Directive \266)Tj ET q 1 0 0 1 538.5391 715.5 cm 0 0 m 53.08 0 l h S Q BT 12 0 0 12 16 699.75 Tm (E2.A10.1.3.1. )Tj ET q 1 0 0 1 16 699 cm 0 0 m 69.996 0 l h S Q BT 12 0 0 12 85.9961 699.75 Tm (There are no "bright line" rules for determining when conduct)Tj /Span<>> BDC ( )Tj EMC ET q 1 0 0 1 85.9961 699 cm 0 0 m 300.363 0 l h S Q BT 12 0 0 12 386.3594 699.75 Tm (is "recent.")Tj ET q 1 0 0 1 386.3594 699 cm 0 0 m 53.109 0 l h S Q BT 0 0 0.933 rg 9.75 0 0 9.75 439.4687 704.25 Tm ( \(18\))Tj ET 0 0 0.933 RG q 1 0 0 1 439.4687 703.5 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 458.1499 699.75 Tm ( )Tj ET 0 G q 1 0 0 1 458.1499 699 cm 0 0 m 3 0 l h S Q BT 12 0 0 12 461.1499 699.75 Tm (If the evidence shows "a)Tj ET q 1 0 0 1 461.1499 699 cm 0 0 m 117.521 0 l h S Q BT 12 0 0 12 16 686.25 Tm (significant period of time has passed without any evidence of misconduct\ ," then an administrative judge must determine)Tj ET q 1 0 0 1 16 685.5 cm 0 0 m 577.084 0 l h S Q BT 12 0 0 12 16 672.75 Tm (whether that period of time)Tj /Span<>> BDC ( )Tj EMC ET q 1 0 0 1 16 672 cm 0 0 m 133.623 0 l h S Q BT 12 0 0 12 149.623 672.75 Tm (demonstrates "changed circumstances or conduct sufficient to warrant a f\ inding of reform or)Tj ET q 1 0 0 1 149.623 672 cm 0 0 m 444.07 0 l h S Q BT 12 0 0 12 16 659.25 Tm (rehabilitation." )Tj ET q 1 0 0 1 16 658.5 cm 0 0 m 74.877 0 l h S Q BT /TT1 1 Tf 12 0 0 12 90.877 659.25 Tm (Id)Tj ET q 1 0 0 1 90.877 658.5 cm 0 0 m 9.996 0 l h S Q BT /TT0 1 Tf 12 0 0 12 100.873 659.25 Tm (. Applicant's last SOR-alleged incident of criminal conduct was her fals\ e statement,)Tj /Span<>> BDC ( )Tj EMC ET q 1 0 0 1 100.873 658.5 cm 0 0 m 404.045 0 l h S Q BT 12 0 0 12 504.918 659.25 Tm (when she filled)Tj ET q 1 0 0 1 504.918 658.5 cm 0 0 m 73.313 0 l h S Q BT 12 0 0 12 16 645.75 Tm (out her security clearance application in December 2004. )Tj ET q 1 0 0 1 16 645 cm 0 0 m 276.879 0 l h S Q BT 12 0 0 12 292.8789 645.75 Tm (However, the SOR allegation of criminal conduct must be)Tj ET q 1 0 0 1 292.8789 645 cm 0 0 m 278.93 0 l h S Q BT 12 0 0 12 16 632.25 Tm (considered along with all the other evidence when applying this)Tj /Span<>> BDC ( )Tj EMC ET q 1 0 0 1 16 631.5 cm 0 0 m 309.246 0 l h S Q BT 12 0 0 12 325.2461 632.25 Tm (mitigating condition. She was not forthright and candid)Tj ET q 1 0 0 1 325.2461 631.5 cm 0 0 m 265.957 0 l h S Q BT 12 0 0 12 16 615.75 Tm (when addressing her culpability at her hearing on January 31, 2007.)Tj ET q 1 0 0 1 16 615 cm 0 0 m 325.242 0 l h S Q BT 0 0 0.933 rg 9.75 0 0 9.75 341.2422 620.25 Tm ( \(19\))Tj ET 0 0 0.933 RG q 1 0 0 1 341.2422 619.5 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 359.9233 615.75 Tm ( )Tj (Viewing her conduct as a whole, CC MC 1 does)Tj -28.66 -1.125 Td (not apply.)Tj T* (Criminal conduct security concerns may be mitigated under CC MC 2 when t\ he "crime was an isolated incident,")Tj 0 -1.125 TD (Directive \266 E2.A10.1.3.2, under CC MC 3 when an applicant demonstrate\ s he or she)Tj /Span<>> BDC ( )Tj EMC 34.084 0 Td ("was pressured or coerced into)Tj -34.084 -1.125 Td (committing the act and those pressures are no longer present in that per\ son's life," Directive \266 E2.A10.1.3.3, or for CC)Tj T* (MC 4, when an applicant "did not voluntarily)Tj /Span<>> BDC ( )Tj EMC 18.433 0 Td (commit the act and/or the factors leading to the violation are not likel\ y to)Tj -18.433 -1.125 Td (recur." Directive \266 E2.A10.1.3.4.)Tj /Span<>> BDC ( )Tj EMC ( )Tj 13.718 0 Td (CC MCs 2, 3 and 4 do not apply because Applicant committed the 2002 and \ 2004)Tj -13.718 -1.125 Td (falsifications and then was not candid at her 2007 hearing when addressi\ ng the falsification. No one caused her or)Tj T* (influenced her to commit the criminal conduct, and she voluntarily commi\ tted the)Tj /Span<>> BDC ( )Tj EMC 32.963 0 Td (criminal conduct. )Tj 7.248 0 Td (She has not shown)Tj -40.21 -1.125 Td (a sufficient track record of positive or non-criminal conduct.)Tj 0 -2.125 TD (In regard to CC MCs 5 and 6, security concerns may be mitigated when an \ applicant was acquitted or "[t]here is clear)Tj 0 -1.125 TD (evidence of successful rehabilitation." Directive \266\266 E2.A10.1.3.5 \ and)Tj /Span<>> BDC ( )Tj EMC 27.889 0 Td (E2.A10.1.3.6. )Tj (CC MC 5 and 6 do not apply)Tj -27.889 -1.125 Td (because Applicant was not acquitted of violation of 18 U.S.C. \247 1001 \ and there is a dearth of evidence about changes in)Tj T* (her life that establish her)Tj /Span<>> BDC ( )Tj EMC 10.135 0 Td (successful rehabilitation.)Tj /TT2 1 Tf 8.549 -2.125 Td ("Whole Person" Analysis)Tj /TT0 1 Tf -18.684 -2.125 Td (In addition to the enumerated disqualifying and mitigating conditions, I\ have considered the general adjudicative)Tj T* (guidelines related to the whole person concept under Directive )Tj 25.296 0 Td (provision E2.2.1.)Tj /Span<>> BDC ( )Tj EMC (Applicant's actions when she falsified)Tj -25.296 -1.125 Td (her SF 85Ps were knowledgeable and voluntary. )Tj 19.607 0 Td (The falsification constitutes serious criminal conduct. She is 39 years)Tj -19.607 -1.125 Td (old, sufficiently mature to be fully)Tj /Span<>> BDC ( )Tj EMC 13.969 0 Td (responsible for her conduct. )Tj 11.413 0 Td (The motivation for the falsification was to conceal her)Tj -25.382 -1.125 Td (debts from the government. A person who engages in )Tj 21.662 0 Td ("conduct involving questionable judgment,)Tj /Span<>> BDC ( )Tj EMC 17.489 0 Td (untrustworthiness,)Tj -39.15 -1.125 Td (unreliability, lack of candor, dishonesty, or unwillingness to comply wi\ th rules and regulations could indicate that)Tj T* ([applicant] may not properly safeguard [sensitive] information.")Tj /Span<>> BDC ( )Tj EMC 25.9 0 Td (The likelihood of recurrence is significant because she)Tj -25.9 -1.125 Td (was not forthright and candid at her hearing about her knowledge of her \ delinquent debts before she completed her SF)Tj T* (85Ps.)Tj 0 -2.125 TD (Applicant has presented substantial extenuating and mitigating evidence \ in regard to her financial considerations. )Tj 45.569 0 Td (Some)Tj -45.569 -1.375 Td (credit i)Tj 2.804 0 Td (n the whole person analysis for the application of the 4-year Texas)Tj /Span<>> BDC ( )Tj EMC 26.88 0 Td (statute of limitations is warranted.)Tj 0 0 0.933 rg 9.75 0 0 9.75 535.8379 219.75 Tm ( \(20\))Tj ET q 1 0 0 1 535.8379 219 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 554.519 215.25 Tm ( )Tj /TT1 1 Tf (See)Tj /TT0 1 Tf -44.877 -1.125 Td (Tex. Civ. Prac. & Rem. Code \247\247 16.004\(c\) and 16.051 \(statute of\ limitations for contracts\); 16.004\(a\)\(3\) \(statute of)Tj 0 -1.125 TD (limitations for debts\); )Tj /TT1 1 Tf 8.916 0 Td (Cont'l Cas. Co.)Tj /Span<>> BDC ( )Tj EMC (v. Dr. Pepper Bottling Co. of Tex.)Tj /TT0 1 Tf 19.963 0 Td (, 416 F.Supp. 2d 497, 505-507 \(W.D. Tex.)Tj -28.879 -1.375 Td (2006\); )Tj /TT1 1 Tf (Facility Ins. Corp. v. Employers Ins. of Wausau)Tj /TT0 1 Tf 21.942 0 Td (, 357 F.3d 508, 513-514 \(5)Tj 9.75 0 0 9.75 407.9687 176.25 Tm (th)Tj 12 0 0 12 415.5526 171.75 Tm ( Cir. 2004\) \(discussing statute of)Tj -33.296 -1.125 Td (limitations for open or revolving accounts\). )Tj 17.635 0 Td (Creditor collection of the debts in SOR \266\266 3.b, 3.c, and 3.d appea\ red to be)Tj -17.635 -1.125 Td (legally barred by the Texas statute of limitations. )Tj 19.855 0 Td (However, if she has made)Tj /Span<>> BDC ( )Tj EMC 10.607 0 Td (subsequent payments on these three debts,)Tj -30.463 -1.125 Td (she may have potentially reinstated these debts and )Tj 20.716 0 Td (ended the statute of limitations' defense to collection. )Tj /TT1 1 Tf 21.535 0 Td (See Stine v.)Tj -42.251 -1.125 Td (Stewart)Tj /TT0 1 Tf (, 80 S.W.3d 586, 591 \(Tex.)Tj /Span<>> BDC ( )Tj EMC (2002\). )Tj (Statutes of limitations provide distinct societal and judicial values. )Tj 43.854 0 Td ("[T]hey)Tj -43.854 -1.125 Td (stimulate activity, punish negligence and promote repose by giving secur\ ity and stability to human affairs. )Tj 42.74 0 Td (The)Tj -42.74 -1.125 Td (cornerstone policy consideration underlying statutes of limitations is t\ he laudable goal of law to promote and achieve)Tj T* (finality in litigation. )Tj 8.277 0 Td (Significantly, statutes of limitations provide potential)Tj /Span<>> BDC ( )Tj EMC 21.58 0 Td (defendants with certainty that after a set)Tj -29.857 -1.125 Td (period of time, they will not be ha[iled] into court to defend time-barr\ ed claims. )Tj 32.157 0 Td (Moreover, limitations periods)Tj -32.157 -1.125 Td (discourage plaintiffs from sitting on their)Tj /Span<>> BDC ( )Tj EMC 16.719 0 Td (rights. )Tj (Statutes of limitations are, indeed, fundamental to our judicial system.\ ")Tj ET EMC endstream endobj 87 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[439.0 702.0 457.0 713.0]/Subtype/Link/Type/Annot>> endobj 88 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[341.0 618.0 359.0 629.0]/Subtype/Link/Type/Annot>> endobj 89 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[536.0 217.0 554.0 228.0]/Subtype/Link/Type/Annot>> endobj 79 0 obj [90 0 R] endobj 80 0 obj <>stream BT /Artifact <>BDC /TT0 1 Tf 9 0 0 9 5 779 Tm (06-12108.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/06-12108.h1.html)Tj 50.296 0 Td ([7/2/2021 3:55:07 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 (subsequent conviction for disorderly)Tj /Span<>> BDC ( )Tj EMC 14.886 0 Td (conduct. )Tj 3.666 0 Td (Her false answers were due to this mistaken belief. She was, however,)Tj ET Q BT 0 g 12 0 0 12 16 741.75 Tm (aware of multiple debts delinquent over 180 days when she signed the two\ SF 85Ps. Her claim that she believed she)Tj /Span<>> BDC ( )Tj EMC 46.657 0 Td (did)Tj -46.657 -1.125 Td (not have to disclose her debts because she intended to pay, negotiate or\ was in the process of settling them is not)Tj 0 -1.125 TD (credible.)Tj 0 -2.125 TD (A trustworthiness concern based on Guideline E may be mitigated by subst\ antial evidence of personal conduct)Tj 0 -1.125 TD (mitigating conditions \(PC MC\). )Tj 12.973 0 Td (Under PC MC 1, trustworthiness concerns may be)Tj /Span<>> BDC ( )Tj EMC 20.358 0 Td (mitigated when the derogatory)Tj -33.331 -1.125 Td ("information was unsubstantiated or not pertinent to a determination of \ judgment, trustworthiness, or reliability.")Tj T* (Directive \266 E2.A5.1.3.1. )Tj 10.006 0 Td (The allegations in )Tj 7.415 0 Td (SOR \266\266)Tj /Span<>> BDC ( )Tj EMC 3.352 0 Td (1.a, 1.b, and 2.a )Tj 6.582 0 Td (concerning Question 16 are not established by)Tj -27.354 -1.125 Td (substantial evidence, but the allegations in )Tj 17.19 0 Td (SOR \266\266 1.c, 1.d, and 2.a )Tj (concerning Question 20 are established. As such,)Tj -17.19 -1.125 Td (SOR \266\266 1.c, 1.d,)Tj /Span<>> BDC ( )Tj EMC (and 2.a )Tj (are relevant to making a security determination about her judgment, trus\ tworthiness, and)Tj T* (reliability.)Tj 0 -2.125 TD (PC MC 2 applies when the )Tj 11 0 Td ("falsification was an isolated incident, was not recent, and the individ\ ual has subsequently)Tj -11 -1.125 Td (provided correct information voluntarily)Tj 16.189 0 Td (." )Tj (Directive \266 E2.A5.1.3.2. )Tj 10.915 0 Td (PC MC 3)Tj /Span<>> BDC ( )Tj EMC (applies when the )Tj 11 0 Td ("individual made)Tj -38.104 -1.125 Td (prompt, good-faith efforts to correct the falsification before being con\ fronted with the facts.")Tj 37.117 0 Td ( Directive \266 E2.A5.1.3.3.)Tj -37.117 -1.125 Td (Applicant has not established PC MCs 2 and)Tj /Span<>> BDC ( )Tj EMC 18.11 0 Td (3 because two false SF 85Ps were submitted to the government in 2002)Tj -18.11 -1.125 Td (and 2004. )Tj (Moreover, she was not candid at her hearing about knowingly falsifying h\ er answer to Question 20 of her SF)Tj 0 -1.375 TD (85Ps.)Tj 0 0 0.933 rg 9.75 0 0 9.75 42.3438 516.75 Tm ( \(17\))Tj ET 0 0 0.933 RG 0.75 w q 1 0 0 1 42.3438 516 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 16 486.75 Tm (PC MC 4 applies )Tj (when "[)Tj (o]mission of material facts was caused or significantly contributed to b\ y improper or)Tj 0 -1.125 TD (inadequate advice of authorized personnel, and the previously omitted in\ formation was)Tj /Span<>> BDC ( )Tj EMC 35.1 0 Td (promptly and fully provided.")Tj -35.1 -1.125 Td (Directive \266 )Tj 4.673 0 Td (E2.A5.1.3.4.)Tj /Span<>> BDC ( )Tj EMC ( There is no evidence that an authorized person gave Applicant improper \ or inadequate advice)Tj -4.673 -1.125 Td (or suggested that she omit information from her)Tj /Span<>> BDC ( )Tj EMC 19.385 0 Td (SF 85Ps. )Tj 3.808 0 Td (Her lawyer is not an authorized person, however, his advice)Tj -23.192 -1.125 Td (not to disclose information about her arrest for assault and conviction \ for disorderly conduct on government documents)Tj T* (raises a)Tj /Span<>> BDC ( )Tj EMC (state of mind defense that is broader than PC MC 4. )Tj 24.217 0 Td (I conclude, with respect to Question 16, she believed in)Tj -24.217 -1.125 Td (good faith that it was not necessary to disclose this information, and s\ he did not have the)Tj /Span<>> BDC ( )Tj EMC 35.715 0 Td (intent to deceive the)Tj -35.715 -1.125 Td (government. )Tj 5.276 0 Td (However, no one told Applicant that she did not have to disclose delinqu\ ent debts on government)Tj -5.276 -1.125 Td (documents, and PC MC 4 does not apply to Question 20.)Tj 0 -2.125 TD (Security concerns can be mitigated under PC MC 5 when an applicant "has \ taken positive steps to significantly reduce)Tj 0 -1.125 TD (or eliminate vulnerability to coercion, exploitation, or duress.")Tj /TT1 1 Tf 24.957 0 Td ( )Tj /TT0 1 Tf (Directive \266)Tj /Span<>> BDC ( )Tj EMC 4.923 0 Td (E2.A5.1.3.5.)Tj /Span<>> BDC ( )Tj EMC (Under PC MC 5, Applicant did)Tj -29.88 -1.125 Td (not honestly disclose her financial problems, and such conduct does not \ merit application of PC MC 5.)Tj /TT2 1 Tf 17.336 -2.125 Td (Guideline J \(Criminal Conduct\))Tj /TT0 1 Tf -17.336 -2.125 Td (Under Guideline J, a history or pattern of criminal activity raises ques\ tions regarding an applicant's willingness or)Tj T* (ability to protect [sensitive] information and )Tj 17.94 0 Td (creates doubt about a person's)Tj /Span<>> BDC ( )Tj EMC 12.204 0 Td (judgment, reliability and trustworthiness.)Tj -30.144 -1.125 Td (Directive \266 )Tj 4.673 0 Td (E2.A10.1.1.)Tj -4.673 -2.125 Td (Two criminal conduct disqualifying conditions \(CC DC\) could raise a se\ curity concern in this case. CC DC 1 applies)Tj T* (where there are "[a]llegations or admissions of criminal conduct, regard\ less of)Tj /Span<>> BDC ( )Tj EMC 31.563 0 Td (whether the person was formally)Tj -31.563 -1.125 Td (charged" and CC DC 2 applies in situations where an applicant has commit\ ted "a single serious crime or multiple lesser)Tj T* (offenses." Directive \266\266 E2.A10.1.2.1 and )Tj (E2.A10.1.2.2.)Tj 0 -2.125 TD (SOR )Tj (\266 2.a alleges that she violated 18 U.S.C. \247 1001 by falsifying two\ answers on her 2002 and 2004 SF 85Ps. )Tj 44.7 0 Td (As)Tj -44.7 -1.125 Td (indicated previously, I find that she did not deliberately falsify Quest\ ion 16, but she)Tj /Span<>> BDC ( )Tj EMC 33.715 0 Td (did deliberately falsify Question 20)Tj -33.715 -1.125 Td (of her 2002 and 2004 SF 85Ps. )Tj (For a violation of 18 U.S.C. \247 1001 to occur, )Tj 30.776 0 Td (the falsification must be material. )Tj 13.662 0 Td (The)Tj -44.438 -1.125 Td (Supreme Court defined "materiality" in)Tj /Span<>> BDC ( )Tj EMC /TT1 1 Tf 16.007 0 Td (United States v. Gaudin)Tj /TT0 1 Tf 9.554 0 Td (, 515 U.S. 506, 512 \(1995\): as a statement having a)Tj -25.561 -1.125 Td ("natural tendency to influence, or [be] capable of influencing, the deci\ sion making body to which it is addressed." )Tj /TT1 1 Tf 45.774 0 Td (See)Tj -45.774 -1.125 Td (also United States v. McLaughlin)Tj /TT0 1 Tf 13.36 0 Td (, 386 F.3d 547, 553 \(3d Cir. 2004\).)Tj -13.36 -2.125 Td (If Applicant had provided an accurate answer to Question 20 of her SF 85\ Ps, this accurate answer is capable of)Tj 0 -1.125 TD (influencing the government to deny her access to sensitive information, \ and her)Tj /Span<>> BDC ( )Tj EMC 32.074 0 Td (omission to her SF 85Ps was material.)Tj ET EMC endstream endobj 90 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[42.0 514.0 60.0 525.0]/Subtype/Link/Type/Annot>> endobj 77 0 obj [91 0 R 92 0 R 93 0 R 94 0 R 95 0 R] endobj 78 0 obj <>stream BT /Artifact <>BDC /TT0 1 Tf 9 0 0 9 5 779 Tm (06-12108.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/06-12108.h1.html)Tj 50.296 0 Td ([7/2/2021 3:55:07 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 (Two Financial Considerations Disqualifying Conditions \(FC DC\) could ra\ ise a concern)Tj 34.939 0 Td ( )Tj (pertaining to eligibility for an)Tj ET Q BT 0 g 12 0 0 12 16 741.75 Tm (ADP I/II/III position)Tj ( and may be disqualifying in this case. FC DC 1 applies)Tj /Span<>> BDC ( )Tj EMC 30.802 0 Td (where an applicant has a history of not)Tj -30.802 -1.125 Td (meeting his or her financial obligations. Directive \266 E2.A6.1.2.1. )Tj 26.197 0 Td (FC DC 3 applies where an applicant has exhibited)Tj -26.197 -1.125 Td (inability or unwillingness to satisfy debts.)Tj /Span<>> BDC ( )Tj EMC 16.971 0 Td (Directive \266 E2.A6.1.2.3. )Tj 10.006 0 Td (Applicant's actions in initially failing to satisfy her)Tj -26.978 -1.125 Td (outstanding financial obligations give rise to FC DC 1 and 3. In her res\ ponse to the SOR, she admitted she was)Tj 0 -1.125 TD (responsible)Tj /Span<>> BDC ( )Tj EMC (for the delinquent debts listed on the SOR. )Tj 22.108 0 Td (At the hearing, she credibly disputed the debt in SOR )Tj 21.635 0 Td (\266)Tj ( 3.h)Tj -43.743 -1.125 Td (\($658\). )Tj (The 4-year Texas statute of limitations \(SOL\) limits the legal collect\ ibility of all except for five of her other)Tj T* (SOR debts: 3.a \($1,669-judgment not barred by SOL\), 3.e \($230\), 3.f \ \($266\), 3.g \($207\), and 3.i \($100\). )Tj 41.938 0 Td (I conclude that)Tj -41.938 -1.125 Td (the record evidence establishes her responsibility for)Tj /Span<>> BDC ( )Tj EMC 21.298 0 Td (the delinquent debts in SOR )Tj 11.527 0 Td (\266)Tj (\266)Tj ( 3.a, 3.e, 3.f, 3.g, and 3.i, but not the)Tj -32.825 -1.125 Td (other delinquent SOR debts.)Tj 0 -2.125 TD (The government produced substantial evidence of these two disqualifying \ conditions, and the burden shifted to)Tj 0 -1.125 TD (Applicant to produce evidence and prove a mitigating condition.)Tj 25.798 0 Td ( )Tj (The burden)Tj -25.798 -2.625 Td (of disproving a mitigating condition never shifts to the government.)Tj 0 0 0.933 rg 8.25 0 0 8.25 341.2773 571.5 Tm ( \(12\))Tj ET 0 0 0.933 RG 0.75 w q 1 0 0 1 341.2773 570.75 cm 0 0 m 15.807 0 l h S Q BT 0 g 12 0 0 12 16 537.75 Tm (A trustworthiness concern based on financial problems can be mitigated b\ y substantial evidence under FC MCs 1 or 2)Tj T* (that "the behavior was not recent" or "it was an isolated incident." )Tj 26.597 0 Td (Directive \266\266)Tj /Span<>> BDC ( )Tj EMC 5.126 0 Td (E2.A6.1.3.1 and E2.A6.1.3.2. )Tj (The)Tj -31.724 -1.125 Td (Directive does not define "recent," and there is no "bright-line" defini\ tion of what constitutes "recent" conduct. )Tj 44.602 0 Td (Based on)Tj -44.602 -1.375 Td (the record evidence as a whole,)Tj 0 0 0.933 rg 9.75 0 0 9.75 166.5918 498.75 Tm ( \(13\))Tj ET q 1 0 0 1 166.5918 498 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 185.2729 494.25 Tm ( I)Tj /Span<>> BDC ( )Tj EMC (conclude FC MCs 1 and 2 do not apply because Applicant had five delinque\ nt)Tj -14.106 -1.125 Td (SOR debts at the time of her hearing, )Tj 15.135 0 Td (and she is not making payments on these five debts.)Tj -15.135 -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 (Her financial problems began when she became)Tj -29.017 -1.125 Td (unemployed. Although the causes)Tj /Span<>> BDC ( )Tj EMC 13.803 0 Td (of her financial problems were "largely beyond her control," she has not\ provided)Tj -13.803 -1.125 Td (enough information about changes in her financial situation, especially \ after she became employed by the government)Tj 0 -1.375 TD (contractor, to warrant full application of FC MC 3.)Tj 0 0 0.933 rg 9.75 0 0 9.75 259.9434 389.25 Tm ( \(14\))Tj ET q 1 0 0 1 259.9434 388.5 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 16 359.25 Tm (FC MCs 4 and 6 can mitigate a trustworthiness concern arising from finan\ cial problems when)Tj 37.547 0 Td (, "the person has received)Tj -37.547 -1.125 Td (or is receiving counseling for the problem and there are clear indicatio\ ns that)Tj /Span<>> BDC ( )Tj EMC 31.016 0 Td (the problem is being resolved or is under)Tj -31.016 -1.125 Td (control," )Tj (or "the individual initiated a good-faith effort to repay overdue credit\ ors or otherwise resolve debts." Directive)Tj 0 -1.125 TD (\266\266 E2.A6.1.3.4 and E2.A6.1.3.6. )Tj (Applicant receives some credit under FC MC 4 because she has received fi\ nancial or)Tj T* (credit counseling, and there is some evidence that her financial problem\ s are being resolved or are under control.)Tj 45.122 0 Td ( )Tj (FC)Tj -45.122 -1.125 Td (MC 6 does not apply because she has not provided sufficient evidence abo\ ut her efforts to pay her delinquent debts after)Tj 0 -1.375 TD (she became employed by the government contractor)Tj 20.881 0 Td (.)Tj 0 0 0.933 rg 9.75 0 0 9.75 269.5703 279.75 Tm ( \(15\))Tj ET q 1 0 0 1 269.5703 279 cm 0 0 m 18.681 0 l h S Q BT 0 g /TT1 1 Tf 12 0 0 12 288.2515 275.25 Tm (Guideline E \(Personal Conduct\))Tj /TT0 1 Tf -22.688 -2.125 Td (Under Guideline E, "conduct involving questionable judgment, untrustwort\ hiness, unreliability, lack of candor,)Tj 0 -1.125 TD (dishonesty, or unwillingness to comply with rules and regulations could \ indicate that)Tj /Span<>> BDC ( )Tj EMC 34.189 0 Td ([applicant] may not properly)Tj -34.189 -1.125 Td (safeguard [sensitive] information." )Tj 14.182 0 Td (Directive \266 E2.A5.l.l.)Tj -14.182 -2.125 Td (Two personal conduct disqualifying conditions \(PC DC\) could potentiall\ y raise a trustworthiness concern and may be)Tj T* (disqualifying in this case. )Tj 10.471 0 Td (PC DC 2 applies where there has been )Tj 15.607 0 Td ("deliberate)Tj /Span<>> BDC ( )Tj EMC 4.6 0 Td (omission, concealment, or falsification of)Tj -30.678 -1.125 Td (relevant and material facts from any personnel security questionnaire, p\ ersonal history statement, or similar form used)Tj T* (to conduct investigations, determine)Tj /Span<>> BDC ( )Tj EMC 14.747 0 Td (employment qualifications, award benefits or status, determine security \ clearance)Tj -14.747 -1.125 Td (eligibility or trustworthiness, or award fiduciary responsibilities." )Tj 26.431 0 Td (Directive \266 E2.A5.1.2.2. )Tj 10.006 0 Td (A trustworthiness )Tj (concern)Tj -36.438 -1.125 Td (may result under PC DC 3 when an applicant deliberately provides "false \ or misleading information concerning relevant)Tj T* (and material matters to an investigator, security official, competent)Tj /Span<>> BDC ( )Tj EMC 27.074 0 Td (medical authority, or other official representative in)Tj -27.074 -1.125 Td (connection with a personnel security or trustworthiness determination." \ )Tj 28.818 0 Td (Directive \266 E2.A5.1.2.3.)Tj -28.818 -2.125 Td (For PC DCs 2 and 3, Applicant gave incorrect answers to Questions 16 and\ 20 of her 2002 and 2004 SF 85Ps. 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