EXHIBIT 99.2 -- Report of Independent Accountants


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	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 (USAP) during the year-
ended December 31, 2004. 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 standards
established by the American Institute of Certified Public Accountants
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, 2004, is fairly stated, in all material respects.




                                          /s/ Ernst & Young LLP
March 11, 2005


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 National City			National City Mortgage Co.
   Mortgage			A subsidiary of National City Bank of Indiana
				3232 Newmark Drive Miamisburg, Ohio 45342
				Telephone: (937) 910-1200

				Mailing Address:
				P.O. Box 1820
				Dayton, Ohio 45401-1820

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


   			Report of Management


We, as members of management of National City Mortgage Co. (NCM), are
responsible for complying with the minimum servicing standards as set forth in
the Mortage Bankers Association of America's Uniform Single Attestation Program
for Mortgage Bankers (USAP).  We are also responsible for establishing and
maintaining effective internal control over compliance with these standards.  We
have performed an evaluation of NCM's compliance with the minimum
servicing standards as set forth in the USAP as of December 31, 2004 and for the
year then ended.  Based on this evaluation, we assert that during the year ended
December 31, 2004, NCM complied, in all material respects, with the
minimum servicing standards set forth in the USAP.

As of and for this same period, NCM had in effect a fidelity bond policy
in the amount of $200 million and an errors and omissions policy in the
amount of $250 million.



                                  /s/  T. Jackson Case, Jr.
                                  T. Jackson Case, Jr., Executive Vice President

					March 4, 2005