EXHIBIT 99.1 -  Report of Independent Accountants


a)

[Ernst & Young logo]	Ernst & Young LLP	Phone: (216) 861-5000
			Suite 1300		www.ey.com
			925 Euclid Avenue
			Cleveland, Ohio 44115

Report on Management's Assertion on Compliance with the Specified Minimum
Servicing Standards Set Forth in the Uniform Single Attestation Program for
Mortgage Bankers

Report of Independent Accountants

Board of Directors
National City Mortgage Co.

We have examined management's assertion, included in the accompanying report
titled Report of Management, that National City Mortgage Co. (NCM) complied
with the minimum servicing standards identified in Exhibit A to the Report of
Management (the specific minimum servicing standards) as set forth in the
Mortgage Bankers Association of America's Uniform Single Attestation Program
for Mortgage Bankers during the year-ended December 31, 2005.  Management is
responsible for NCM's compliance with the specified minimum servicing
standards.  Our responsibility is to express an opinion on management's
assertions about NCM's compliance based on our examination.

Our examination was made in accordance with attestation established by the
Public Company Accounting Oversight Board (United States) and, accordingly,
included examining, on a test basis, evidence about NCM's compliance with the
specified minimum servicing standards and performing such other procedures as
we considered necessary in the circumstances.  We believe that our examination
provides a reasonable basis for our opinion.  Our examination does not provide
a legal determination on NCM's compliance with specified minimum servicing
standards.

In our opinion, management's assertion that NCM complied with the
aforementioned specified minimum servicing standards during the year ended
December 31, 2005, is fairly stated, in all material respects.

/s/ Ernst & Young LLP

March 1, 2006

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b)

[KPMG LLP.logo]

             KPMG LLP
	     2500 Ruan Center
	     666 Grand Avenue
	     Des Moines, IA 50309




                    Independent Accountants' Report



The Board of Directors
Wells Fargo Home Mortgage, a division of Wells Fargo Bank, N.A.:


We have examined management's assertion, included in the accompanying Assertion
of Management of Wells Fargo Home Mortgage, a division of Wells Fargo Bank, N.A.
(the Company), that the Company complied with the minimum servicing standards
set forth in the Mortgage Bankers Association of America's Uniform Single
Attestation Program for Mortgage Bankers (USAP) as of and for the year ended
December 31, 2005. Management is responsible for the Company's compliance with
those minimum servicing standards. Our responsibility is to express an opinion
on management's assertion about the Company's compliance based on our
examination.

Our examination was conducted in accordance with attestation standards
established by the American Institute of Certified Public Accountants and,
accordingly, included examining, on a test basis, evidence about the Company's
compliance with the minimum servicing standards specified above and performing
such other procedures, as we considered necessary in the circumstances.
We believe that our examination provides a reasonable basis for our opinion.
Our examination does not provide a legal determination on the Company's
compliance with the minimum servicing standards.

In our opinion, management's assertion that the Company complied with the
aforementioned minimum servicing standards as of and for the year ended
December 31, 2005 is fairly stated, in all material respects.


                              /s/ KPMG LLP


February 21,2006