Xenonman . . . I agree with you for the most part . . . These investigations would go much quicker if some common sense, or perhaps better guidance, was provided to investigators and adjudicators earlier in the process. These people appear to believe that their job is to deny clearances and make applicants work for their approval. They should be allowed to recognize, for example, that many good people have had financial problems in the economic wake of the 2007-8 financial crisis. It seems like it is easier for them to deny clearance and, effectively, pass the decision on to the next level.
My investigation and adjudication took just short of 17 months. Does anyone believe that it should actually take 17 months to make this type of decision? Six months? It took six months just get an investigator assigned to my application!