Courtesy of TPM Reader ECK, here's the full text of Administrative Law Judge Steven T. Kessel's ruling upholding the half million dollar fine against United Seniors Association, aka USANext, for sending deceptive mailings intended to fool seniors into believing they were official correspondence from the Social Security Administration.

One of many choice quotes, this one on USANext's persistence as a scofflaw: "[T]he SSA I.G.'s enforcement efforts in this case did not spring fully formed from a blank background. There was a long history of discussion between the SSA I.G. and Respondent [i.e., USANext] in which the SSA I.G. struggled vainly to convince Respondent to curb its practices of sending potentially deceptive mailings to senior citizens. Respondent had been warned on several occasions by the SSA I.G. that its conduct verged on violating or violated the Act. It chose to ignore these warnings."