KEYWORD: Guideline F; Guideline E
DIGEST: The Judge’s challenged findings are supported by the record evidence.  Adverse
decision affirmed.
CASENO: 03-21497.a1
DATE: 07/30/2009
DATE: July 30, 2009
In Re:
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Applicant for Security Clearance
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ISCR Case No. 03-21497
APPEAL BOARD DECISION
APPEARANCES
FOR GOVERNMENT
James B. Norman, Esq., Chief Department Counsel
FOR APPLICANT
Pro Se
Applicant did not make an assertion of harmful error with respect to the Judge’s formal findings under SOR1
¶ 2.  There is no presumption of error below.  The Appeal Board’s authority to review a case is limited to matters in
which the appealing party has alleged the Judge committed harmful error.  See Directive ¶ E3.1.32.
2
The Defense Office of Hearings and Appeals (DOHA) declined to grant Applicant a security
clearance.  On November 6, 2008, DOHA issued a statement of reasons (SOR) advising Applicant
of the basis for that decision—security concerns raised under Guideline F (Financial Considerations)
and Guideline E (Personal Conduct)of Department of Defense Directive 5220.6 (Jan. 2, 1992, as
amended) (Directive).  Applicant requested a hearing.  On May 27, 2009, after the hearing,
Administrative Judge Darlene D. Lokey Anderson denied Applicant’s request for a security
clearance.  Applicant appealed pursuant to the Directive ¶¶ E3.1.28 and E3.1.30.
Applicant raises the following issue on appeal: whether the Judge’s decision is arbitrary,
capricious, or contrary to law.  For the following reasons, the Board affirms the Judge’s unfavorable
decision. 
Applicant states that, contrary to the Judge’s finding that he engaged in overspending, he
does not overspend.  Applicant also took issue with the Judge’s statement that he only recently
initiated a good faith effort to resolve his debts.  Applicant asserts that he has been trying to resolve
his debts in good faith for the past 20 plus years.  Applicant also mentions his 35-year service to the
country both in the military and civilian life, and states that he would never hurt his government in
any way.  Applicant’s assertions do not demonstrate error on the part of the Judge.
The Judge’s finding that Applicant and his wife engaged in overspending during the period
of his financial difficulties and her finding that Applicant is just beginning the process of financial
rehabilitation are reasonably supported by the record evidence.  A party’s disagreement with the
Judge’s weighing of the evidence, or an ability to argue for a different interpretation of the evidence,
is not sufficient to demonstrate the Judge weighed the evidence or reached conclusions in a manner
that is arbitrary, capricious, or contrary to law.  See, e.g., ISCR Case No. 06-17409 at 3 (App. Bd.
Oct. 12, 2007).  A review of the record and the Judge’s decision reveals that the Judge weighed the
mitigating evidence offered by Applicant against the length and seriousness of the disqualifying
conduct.  She considered the possible application of relevant mitigating conditions and whole-person
factors.  The Judge  reasonably explained why the evidence which Applicant had presented in
mitigation was insufficient to overcome the government’s security concerns.  The Board does not
review a case de novo.  After reviewing the record, the Board concludes that the Judge examined the
relevant evidence and articulated a satisfactory explanation for her decision, “including a ‘rational
connection between the facts found and the choice made.’” Motor Vehicle Mfs. Ass’n of the United
States v. State Farm Mut. Auto Ins. Co., 463 U.S. 29, 43 (1983)(quoting Burlington Truck Lines, Inc.
v. United States, 371 U.S. 156, 168 (1962)).  Therefore, the Judge’s ultimate unfavorable security
clearance decision is sustainable.1
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Order
The decision of the Judge is AFFIRMED.
Signed: Michael Y. Ra’anan        
Michael Y. Ra’anan
Administrative Judge
Chairman, Appeal Board
Signed: Jeffrey D. Billett                 
Jeffrey D. Billett
Administrative Judge
Member, Appeal Board
Signed: Michael D. Hipple                
Michael D. Hipple
Administrative Judge
Member, Appeal Board