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(the three properties in issue and found)Tj
T*
(what he believes to have been fraudulent information submitted by the mo\
rtgage lenders to substantiate their claims for)Tj
T*
(losses, which claims were used to establish Applicant's punishment and f\
inancial liability. )Tj
36.229 0 Td
(For example, one mortgage)Tj
-36.229 -1.125 Td
(lender furnished $1,400,000 and)Tj
/Span<>> BDC
( )Tj
EMC
(recovered $1,600,000; another furnished $668,000, and recovered $690,000\
; and the)Tj
T*
(third furnished $288,000, and recovered $315,000. )Tj
20.551 0 Td
(As a result, he believes)Tj
/Span<>> BDC
( )Tj
EMC
(he has a civil action against the mortgage)Tj
-20.551 -1.125 Td
(lenders for damages to him arising from their false information. )Tj
/TT1 1 Tf
25.743 0 Td
(See)Tj
/TT0 1 Tf
(, Government Exhibit 2, at 3.)Tj
-25.743 -2.125 Td
(4. )Tj
(Applicant claimed that the amounts were true, but that the "location" of\
certain information on the forms was)Tj
T*
(incorrect.)Tj
0 -2.125 TD
(5. )Tj
(Applicant acknowledged that the scheme continued until April 1991, but t\
he court found that it concluded in February)Tj
0 -1.125 TD
(1990. )Tj
/TT1 1 Tf
(See)Tj
/TT0 1 Tf
(, Government Exhibit 3, at 1.)Tj
0 -2.125 TD
(6. )Tj
(Applicant claims that he had made a decision that what he had done was w\
rong, and in an effort to accept the)Tj
0 -1.125 TD
(outcome of what he had done, and to start over,)Tj
/Span<>> BDC
( )Tj
EMC
(it was necessary to file for bankruptcy. )Tj
35.044 0 Td
(The reasoning is confusing. )Tj
/TT1 1 Tf
11.303 0 Td
(See)Tj
/TT0 1 Tf
(,)Tj
-46.348 -1.125 Td
(Government Exhibit 2, at 2.)Tj
0 -2.125 TD
(7. )Tj
/TT1 1 Tf
(See)Tj
/TT0 1 Tf
(, Executive Order 12968, )Tj
/TT1 1 Tf
12.718 0 Td
("Access to Classified Information;")Tj
/TT0 1 Tf
14.2 0 Td
( as implemented by Department of Defense)Tj
-26.917 -1.125 Td
(Regulation 5200.2-R, )Tj
/TT1 1 Tf
8.888 0 Td
("Personnel Security Program,")Tj
/TT0 1 Tf
12.532 0 Td
( dated January 1987, as)Tj
/Span<>> BDC
( )Tj
EMC
(amended by Change 3, dated November 8,)Tj
-21.42 -1.125 Td
(1995. )Tj
(However, the Directive uses both "clearly consistent with the national i\
nterest" \( )Tj
/TT1 1 Tf
34.89 0 Td
(see)Tj
/TT0 1 Tf
(, Sec. B.3; Sec. C.2.; and Sec.)Tj
-34.89 -1.125 Td
(D.2.; Enclosure 3, Sec. 1.;)Tj
/Span<>> BDC
( )Tj
EMC
(and Sec. 25\), and "clearly consistent with the interests of national se\
curity" \()Tj
/TT1 1 Tf
41.306 0 Td
(see)Tj
/TT0 1 Tf
(, Enclosure 2)Tj
-41.306 -1.125 Td
(\(Change 3\), Adjudicative Guidelines, at 2-2\).)Tj
T*
(8. )Tj
/TT1 1 Tf
(See)Tj
/TT0 1 Tf
(, Transcript \(Tr.\), at 104-05.)Tj
T*
(9. )Tj
/TT1 1 Tf
(See)Tj
/TT0 1 Tf
(, J. Ehrlich, )Tj
/TT1 1 Tf
7.22 0 Td
(A Reasonable Doubt)Tj
/TT0 1 Tf
8.276 0 Td
( 128 \(1965\).)Tj
EMC
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(96-0710.h1)Tj
EMC
/Artifact <>BDC
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(file:///usr.osd.mil/)Tj
7.166 0 Td
(...)Tj
(yComputer/Desktop/DOHA%20transfer/DOHA-Kane/dodogc/doha/industrial/Archi\
ved%20-%20HTML/96-0710.h1.html)Tj
49.796 0 Td
([7/2/2021 3:58:45 PM])Tj
EMC
ET
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/Article <>BDC
q
10 36 592 730 re
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0 g
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(unsuccessful in his efforts to obtain mortgage funding, there was the pr\
esence of a degree of pressure to do so. )Tj
44.375 0 Td
(This)Tj
ET
Q
BT
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12 0 0 12 16 741.75 Tm
(pressure does not, however, excuse Applicant from complying with the nor\
ms of society. )Tj
35.936 0 Td
(If it did, all homeowners)Tj
-35.936 -1.125 Td
(would be justified in lying on their)Tj
/Span<>> BDC
( )Tj
EMC
(home mortgage applications. )Tj
25.967 0 Td
(In this instance, I do not raise the issue to excuse the)Tj
-25.967 -1.125 Td
(pressure, but rather to point out that those pressures are no longer)Tj
/Span<>> BDC
( )Tj
EMC
(considerations in Applicant's life, now that he is no)Tj
0 -1.125 TD
(longer involved in the investment scheme, and has vowed never to repeat \
such conduct.)Tj
0 -2.125 TD
(Applicant's actions in furtherance of the illegal scheme ceased in early\
1991, and in the ensuing five years, have not)Tj
0 -1.125 TD
(recurred. )Tj
(Thus, as bad as the criminal)Tj
/Span<>> BDC
( )Tj
EMC
(conduct might have been, it has been over five years since the last such\
incident.)Tj
T*
(Department Counsel has argued that Applicant's failure to correct the fr\
aud he)Tj
/Span<>> BDC
( )Tj
EMC
(had previously engaged in, as well as his)Tj
T*
(later efforts to escape responsibility by declaring bankruptcy, should b\
e viewed against Applicant because they indicate)Tj
0 -1.375 TD
(that he is still looking out for himself.)Tj
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(\(8\))Tj
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( )Tj
(That argument avoids the issue of recency rather than serving persuasive\
ly as)Tj
-16.057 -1.125 Td
(evidence of it. )Tj
5.942 0 Td
(In any event, I conclude)Tj
/Span<>> BDC
( )Tj
EMC
(that Applicant's criminal behavior has not been recent.)Tj
-5.942 -2.125 Td
(The matter of isolation is more troublesome because the scheme consisted\
of a series of three independent transactions)Tj
0 -1.125 TD
(over a period of approximately two and)Tj
/Span<>> BDC
( )Tj
EMC
(one-half years. )Tj
22.27 0 Td
(As such, one can consider each incident separately or as one)Tj
-22.27 -1.125 Td
(scheme with three parts. )Tj
9.969 0 Td
(I recognize that Applicant has, during his lifetime, led)Tj
/Span<>> BDC
( )Tj
EMC
(what appears to be largely a law-abiding)Tj
-9.969 -1.125 Td
(existence, and that these negative incidents are but a small portion of \
his overall 42 years of life. )Tj
38.765 0 Td
(Nevertheless, in)Tj
-38.765 -1.125 Td
(viewing the overall conduct of this scheme, I conclude that, since each \
transaction was an independent action involving)Tj
T*
(different mortgage lenders for different)Tj
/Span<>> BDC
( )Tj
EMC
(property, this behavior cannot be considered an isolated incident. )Tj
42.262 0 Td
(Accordingly,)Tj
-42.262 -1.125 Td
(that mitigating factor does not apply.)Tj
0 -2.125 TD
(Applicant had clear opportunities to clean up his act after he had been \
arrested, and he apparently chose to do so by:)Tj
0 -1.125 TD
(entering a plea of guilty and acknowledging)Tj
/Span<>> BDC
( )Tj
EMC
(his criminal actions; rendering, as the district judge characterized,)Tj
/TT1 1 Tf
T*
(substantial assistance)Tj
/TT0 1 Tf
8.75 0 Td
( in the investigation and prosecution of other persons; serving his)Tj
/Span<>> BDC
( )Tj
EMC
(imprisonment; making)Tj
-8.75 -1.125 Td
(restitution; abiding by the standard conditions of probation supervision\
; resuming his place in society, in general, and)Tj
T*
(with his employer,)Tj
/Span<>> BDC
( )Tj
EMC
(and in his profession, in specific; and making continuing contributions \
to the national security.)Tj
0 -2.125 TD
(Department Counsel has argued, unpersuasively, that because Applicant is\
still on supervised probation, and because he)Tj
0 -1.125 TD
(cannot incur new indebtedness without)Tj
/Span<>> BDC
( )Tj
EMC
(permission, he, )Tj
/TT1 1 Tf
22.19 0 Td
(ipso facto)Tj
/TT0 1 Tf
3.917 0 Td
(, cannot be trusted and cannot be considered as)Tj
-26.106 -1.125 Td
(rehabilitated. )Tj
5.498 0 Td
(I disagree.)Tj
-5.498 -2.375 Td
(As has been said by the noted trial attorney J.W. \(Jake\) Ehrlich:)Tj
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(\(9\))Tj
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q 1 0 0 1 322.2402 342 cm
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0 g
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(Certain crimes are committed impulsively by men of previous good charact\
er who are not likely to threaten society)Tj
T*
(again. )Tj
2.666 0 Td
(In the commission he suffers more)Tj
/Span<>> BDC
( )Tj
EMC
(punishment than can be given by the law; the stigma of the crime is)Tj
-2.666 -1.125 Td
(punishment enough.)Tj
0 -2.125 TD
(I believe Applicant is one of those people. )Tj
17.134 0 Td
(I do not take this position lightly, but based on the law, as set forth \
in)Tj
/TT1 1 Tf
-17.134 -1.125 Td
(Department of Navy v. Egan,)Tj
/TT0 1 Tf
11.664 0 Td
( 484 U.S. 518)Tj
/Span<>> BDC
( )Tj
EMC
(\(1988\), my evaluation of the evidence, my application of the pertinent\
)Tj
-11.664 -1.125 Td
(factors under the Adjudicative Process, and my interpretation of my resp\
onsibilities under)Tj
/Span<>> BDC
( )Tj
EMC
(Enclosure 2 of the Directive,)Tj
0 -1.125 TD
(I conclude that Applicant has, through evidence of extenuation and expla\
nation, successfully mitigated and overcome)Tj
T*
(the)Tj
/Span<>> BDC
( )Tj
EMC
(Government's case. )Tj
9.51 0 Td
(Accordingly, allegation 1.a. of the SOR is concluded in favor of Applica\
nt.)Tj
-9.51 -2.125 Td
(For the reasons stated, I conclude Applicant is suitable for access to c\
lassified information.)Tj
/TT2 1 Tf
19.364 -2.125 Td
(FORMAL FINDINGS)Tj
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/TT0 1 Tf
12 0 0 12 16 129.75 Tm
(Formal findings For or Against Applicant on the allegations set forth in\
the SOR, as required by Paragraph 25 of)Tj
T*
(Enclosure 3 of the Directive, are:)Tj
0 -2.125 TD
(Paragraph 1. Criterion J: FOR THE APPLICANT)Tj
T*
(Subparagraph 1.a.: )Tj
7.775 0 Td
(For the Applicant)Tj
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10 36 592 730 re
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(DECISION)Tj
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(Conditions that could mitigate security concerns include:)Tj
ET
Q
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(\(1\) the criminal behavior was not recent;)Tj
0 -2.125 TD
(\(3\) the person was pressured or coerced into committing the act and th\
ose pressures are no longer present in that)Tj
0 -1.125 TD
(person's life;)Tj
0 -2.125 TD
(\(4\) the person did not voluntarily commit the act and/or the factors l\
eading to the violation are not likely to recur;)Tj
T*
(\(5\) there is clear evidence of successful rehabilitation.)Tj
T*
(Since the protection of the national security is the paramount determina\
nt, the final decision in each case must be)Tj
0 -1.125 TD
(arrived at by applying the standard that the)Tj
/Span<>> BDC
( )Tj
EMC
(issuance of the clearance is "clearly consistent with the interests of n\
ational)Tj
0 -1.375 TD
(security,")Tj
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(\(7\))Tj
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( or "clearly consistent with the national interest." )Tj
19.783 0 Td
(For the purposes)Tj
/Span<>> BDC
( )Tj
EMC
(herein, despite the different language in)Tj
-24.554 -1.125 Td
(each, I have concluded that both standards are one and the same. )Tj
26.101 0 Td
(In reaching this Decision, I have endeavored to draw)Tj
-26.101 -1.125 Td
(only those conclusions that are reasonable, logical and based on the evi\
dence contained in the record. )Tj
40.763 0 Td
(Likewise, I have)Tj
-40.763 -1.125 Td
(attempted to avoid drawing inferences)Tj
/Span<>> BDC
( )Tj
EMC
(that are grounded on mere speculation or conjecture.)Tj
0 -2.125 TD
(In the decision-making process, the burden of producing evidence initial\
ly falls on the Government to establish a case)Tj
0 -1.125 TD
(which demonstrates, in accordance with)Tj
/Span<>> BDC
( )Tj
EMC
(the Directive, that it is not clearly consistent with the national inter\
est to grant)Tj
T*
(or continue an applicant's access to classified information. )Tj
23.534 0 Td
(If the Government)Tj
/Span<>> BDC
( )Tj
EMC
(meets its burden, the heavy burden of)Tj
-23.534 -1.125 Td
(persuasion then falls upon the applicant to present evidence in refutati\
on, explanation, extenuation or mitigation)Tj
T*
(sufficient)Tj
/Span<>> BDC
( )Tj
EMC
(to overcome the doubts raised by the Government's case, and to ultimatel\
y demonstrate that it is clearly)Tj
T*
(consistent with the national interest to grant or continue)Tj
/Span<>> BDC
( )Tj
EMC
(the applicant's clearance.)Tj
0 -2.125 TD
(A person who seeks access to classified information enters into a fiduci\
ary relationship with the Government predicated)Tj
0 -1.125 TD
(upon trust and confidence. )Tj
10.858 0 Td
(It is a)Tj
/Span<>> BDC
( )Tj
EMC
(relationship that transcends normal duty hours and endures throughout of\
f-duty hours)Tj
-10.858 -1.125 Td
(as well. )Tj
(It is because of this special relationship that the Government must)Tj
/Span<>> BDC
( )Tj
EMC
(be able to repose a high degree of trust and)Tj
T*
(confidence in those individuals to whom it grants access to classified i\
nformation. )Tj
33.076 0 Td
(Decisions under this Directive)Tj
-33.076 -1.125 Td
(include, by necessity, consideration of the possible risk that an applic\
ant may deliberately or inadvertently fail to protect)Tj
T*
(or safeguard classified information. )Tj
14.467 0 Td
(Such decisions entail a certain degree of legally permissible extrapolat\
ion as to the)Tj
-14.467 -1.125 Td
(potential for, rather than actual risk of, compromise of classified info\
rmation.)Tj
0 -2.125 TD
(One additional comment is worthy of note. Applicant's loyalty and patrio\
tism are not at issue in these proceedings.)Tj
0 -1.125 TD
(Section 7 of Executive Order 10865 specifically provides that industrial\
security clearance decisions shall be "in terms)Tj
T*
(of the national interest and shall in no sense be a determination as to \
the loyalty of the applicant concerned." Security)Tj
T*
(clearance decisions cover many characteristics of an applicant other tha\
n loyalty and patriotism. Nothing in this)Tj
T*
(Decision should be construed to suggest that I have based this decision,\
in whole or in part, on any express or implied)Tj
T*
(decision as to Applicant's loyalty or)Tj
/Span<>> BDC
( )Tj
EMC
(patriotism.)Tj
/TT1 1 Tf
20.489 -2.125 Td
(CONCLUSIONS)Tj
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/TT0 1 Tf
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(Upon consideration of all the facts in evidence, an assessment of the wi\
tness testimony, demeanor, and credibility, and)Tj
T*
(after application of all appropriate legal)Tj
/Span<>> BDC
( )Tj
EMC
(precepts and factors, including those described briefly above, I conclud\
e the)Tj
T*
(following with respect to the allegation set forth in the SOR:)Tj
0 -2.125 TD
(With respect to Criterion J, the Government has established its case. )Tj
27.521 0 Td
(At the outset, I am obliged to state that I had ample)Tj
-27.521 -1.125 Td
(opportunity to evaluate the demeanor)Tj
/Span<>> BDC
( )Tj
EMC
(of Applicant, observe his manner and deportment, appraise the way in whi\
ch he)Tj
0 -1.125 TD
(responded to questions, assess his candor or evasiveness, read his state\
ments,)Tj
/Span<>> BDC
( )Tj
EMC
(listen to his testimony, and watch the)Tj
T*
(interplay between himself and those around him. It is my impression that\
his explanation regarding his conviction of)Tj
T*
(bank)Tj
/Span<>> BDC
( )Tj
EMC
(fraud, as well as the underlying conduct that got him into the predicame\
nt, have the solid ring of truth.)Tj
0 -2.125 TD
(During one limited period from 1988-89, and on three separate occasions,\
continuing until early 1991, Applicant was)Tj
0 -1.125 TD
(voluntarily involved in criminal behavior)Tj
/Span<>> BDC
( )Tj
EMC
(which was characterized by the court as bank fraud. )Tj
37.737 0 Td
(While he was not coerced)Tj
-37.737 -1.125 Td
(into performing the illegal actions alleged, because of the probable los\
s of)Tj
/Span<>> BDC
( )Tj
EMC
(substantial investment money if he had been)Tj
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(file:///usr.osd.mil/)Tj
7.166 0 Td
(...)Tj
(yComputer/Desktop/DOHA%20transfer/DOHA-Kane/dodogc/doha/industrial/Archi\
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49.796 0 Td
([7/2/2021 3:58:45 PM])Tj
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(Applicant)Tj
/Span<>> BDC
( )Tj
EMC
(to make false entries on the various loan forms. )Tj
23.41 0 Td
(His partners -- the mortgage bankers -- )Tj
/TT1 1 Tf
15.8 0 Td
(guided)Tj
/TT0 1 Tf
( him to)Tj
ET
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12 0 0 12 16 738.75 Tm
("repackage" or inflate)Tj
0 0 0.933 rg
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( his actual income, on prepared)Tj
/Span<>> BDC
( )Tj
EMC
(forms, and although he had misgivings, he agreed to comply)Tj
-9.703 -1.125 Td
(with their guidance. )Tj
8.22 0 Td
(Applicant continued his scheme, knowing that what he was doing was wrong\
,)Tj
/Span<>> BDC
( )Tj
EMC
(and without being)Tj
-8.22 -1.375 Td
(forced by anyone to do so. )Tj
10.858 0 Td
(The scheme continued until early 1991.)Tj
0 0 0.933 rg
9.75 0 0 9.75 336.2441 713.25 Tm
(\(5\))Tj
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q 1 0 0 1 336.2441 712.5 cm
0 0 m
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h
S
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BT
0 g
12 0 0 12 16 683.25 Tm
(In time, Applicant was unable to make mortgage payments because of insuf\
ficient income, and personal bankruptcy)Tj
0 -1.375 TD
(became an attractive alternative. )Tj
13.187 0 Td
(While the)Tj
/Span<>> BDC
( )Tj
EMC
(motivation to do so is unclear,)Tj
0 0 0.933 rg
9.75 0 0 9.75 369.5312 671.25 Tm
(\(6\))Tj
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q 1 0 0 1 369.5312 670.5 cm
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( in November 1991, Applicant filed for)Tj
-30.408 -1.125 Td
(bankruptcy under Chapter 13. )Tj
12.191 0 Td
(It was later converted to a filing under Chapter 7, and)Tj
/Span<>> BDC
( )Tj
EMC
(discharge occurred in October)Tj
-12.191 -1.125 Td
(1992. )Tj
(Included in the filing were the three mortgage lenders for the three inv\
estment properties in issue. )Tj
41.792 0 Td
(Applicant)Tj
-41.792 -1.125 Td
(eventually re-established credit, and currently has qualified for a resi\
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