KEYWORD: Guideline F
DIGEST: Applicant has not rebutted the presumption that the Judge considered all of the
evidence in the record.  Neither has she shown that the Judge weighed the evidence in a manner
that was arbitrary, capricious, or contrary to law. Adverse decision affirmed.
CASENO: 15-01182.a1
DATE: 05/03/2017
DATE: May 3, 2017
In Re:
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Applicant for Security Clearance
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ISCR Case No. 15-01182
APPEAL BOARD DECISION
APPEARANCES
FOR GOVERNMENT
James B. Norman, Esq., Chief Department Counsel
FOR APPLICANT
Ryan C. Nerney, Esq.  
The Department of Defense (DoD) declined to grant Applicant a security clearance.  On
November 27, 2015, DoD issued a statement of reasons (SOR) advising Applicant of the basis for
that decision–security concerns raised under Guideline F (Financial Considerations) of Department
of Defense Directive 5220.6 (Jan. 2, 1992, as amended) (Directive).  Applicant requested a hearing. 
On February 6, 2017, after the hearing, Defense Office of Hearings and Appeals (DOHA)
Administrative Judge Elizabeth M. Matchinski denied Applicant’s request for a security clearance. 
Applicant appealed pursuant to Directive ¶¶ E3.1.28 and E3.1.30.
Applicant raised the following issue on appeal: whether the Judge failed to evaluate
Applicant’s case in light of the record as a whole.  Consistent with the following, we affirm.  
The Judge’s Findings of Fact
Applicant has been employed by a Defense contractor since 1986.  She seeks to retain a
clearance that was most recently granted in 2007.  Applicant’s SOR lists several delinquent debts. 
It also alleges that she failed to file Federal income tax returns for tax years 2012 through 2014.  She
advised her clearance investigator that her failure to have done so was due to the demands of her job
and to her lack of organization.  She also experienced stressful medical problems in 2012 and 2013. 
After receiving the SOR, Applicant satisfied or resolved her debts.  Her accountant filed her
delinquent income tax returns in mid-January 2016.  
Applicant has completed an on-line financial education course.  Her personal financial
statement reports monthly discretionary income of $3,194.  Her annual salary is about $138,000. 
Applicant enjoys an excellent reputation for integrity and for her work ethic.
The Judge’s Analysis
The Judge resolved Applicant’s delinquent debts in her favor.  She entered adverse findings
regarding Applicant’s failure to have filed her tax returns.  The Judge concluded that there was no
nexus between the various stressors that Applicant had experienced and her failure to file her
returns.  She stated that Applicant’s failure to file returns for three years suggests that Applicant was
unwilling or unable to accept responsibility for her legal obligations.  The Judge cited to evidence
that Applicant continues to blame her problem on disorganization and exhaustion from her job, in
support of the Judge’s conclusion that Applicant had failed to show responsible action.  
In the whole-person analysis, the Judge noted evidence of Applicant’s educational
attainments, her reputation for attention to detail at work, and her having held a clearance for most
of her career.  However, she also stated that Applicant had been aware of the security significance
of her tax problem by late 2012 yet did nothing to make resolving the issue a priority.
Discussion
Applicant contends that the Judge did not evaluate her case in light of the record as a whole,
citing to evidence that she believes the Judge ignored, such as her unique personal circumstances,
her character references, etc.  The Judge made detailed findings about these things and discussed
them in her analysis.  Applicant has not rebutted the presumption that the Judge considered all of
the evidence in the record.  Neither has she shown that the Judge weighed the evidence in a manner
that was arbitrary, capricious, or contrary to law.   See, e.g., ISCR Case No. 13-00502 at 3 (App. Bd.
Mar. 7, 2017).  The Judge complied with the requirements of the Directive in that she considered
Applicant’s security concerns in light of the entirety of the evidence.   See, e.g., ISCR Case No. 14-
06653 at 3 (App. Bd. Nov. 18, 2016).  Applicant cites to a Hearing Office case that she believes
supports her effort to retain her clearance.  We give this case due consideration as persuasive
authority.  However, each case must be decided on its own merits, and Hearing Office cases are not
binding on other Hearing Office Judges or on the Appeal Board.  See, e.g., ISCR Case No. 15-01416
at 3 (App. Bd. Nov. Feb. 15, 2017).
The Judge examined the relevant evidence and articulated a satisfactory explanation for the
decision.  The decision is sustainable on this record.  “The general standard is that a clearance may
be granted only when ‘clearly consistent with the interests of the national security.’”  Department
of the Navy v. Egan, 484 U.S. 518, 528 (1988).  See also Directive, Enclosure 2 ¶ 2(b):  “Any doubt
concerning personnel being considered for access to classified information will be resolved in favor
of the national security.”
Order
The Decision is AFFIRMED.   
Signed: Michael Y. Ra’anan        
Michael Y. Ra’anan
Administrative Judge
Chairperson, Appeal Board
Signed: James E. Moody              
James E. Moody
Administrative Judge
Member, Appeal Board
Signed: William S. Fields             
William S. Fields
Administrative Judge
Member, Appeal Board