Exhibit 33.2


[CLAYTON LOGO]

      Certification Regarding Compliance with Applicable Servicing Criteria

1.   Clayton Fixed Income Services Inc. ("CFIS") is responsible for assessing
     compliance with the servicing criteria applicable to it under paragraph (d)
     of Item 1122 of Regulation AB, as of and for the 12-month period ending
     December 31, 2006 (the "Reporting Period"),. The transactions covered by
     this report include mortgage-backed securities transactions (each, a
     "Trust") for which CFIS acted as credit risk manager (the "Platform"),
     including: Harborview 2006-SB1 and Harborview 2006-10.

2.   The criteria listed in the column titled "Performed by CFIS" in Appendix A
     are those criteria applicable (in part) to the Platform under paragraph (d)
     of 1122 of Regulation AB and are those criteria for which this
     certification is required pursuant to the terms and conditions of the
     various trust agreements and/or pooling and servicing agreements (the
     "Transaction Documents") through which CFIS was retained to act as credit
     risk manager;

3.   CFIS can only certify compliance with sub-parts (A) and (B) of the criteria
     set forth in 1122(d)(3)(i) because sub-parts (C) and (D) are not within the
     scope of services CFIS has been retained to provide to the Trusts.

     A.   With respect to subparts (A) and (B) of 1122(d)(3)(i), management
          identified certain instances where certain component sections of
          specified in the Transaction Documents were not included in a given
          month's credit risk manager report. The component sections that were
          not included related to the prepayment analysis (CPR) and standard
          default assumption (SDA) components of the analytics reporting
          specified in the Transaction Documents. Although the original
          Transaction Documents have not been formally amended, the sponsor of
          these securitizations has indicated to CFIS that these reports should
          be excluded from the reports provided by CFIS. Management does not
          consider the foregoing to be a material instance of non-compliance
          with respect to the Platform as a whole.

     B.   With respect to subpart (C) of 1122(d)(3)(i), CFIS is not required to
          file its reports with Securities Exchange Commission; per the
          Transaction Documents, the CFIS reports are to be included in the
          monthly filing responsibility for filing with the Commission rests
          with a party other than CFIS. Accordingly, the certification contained
          herein with respect to the Platform applies only to CFIS delivering
          its reports to the applicable third party responsible for including
          CFIS' reports with the Commission in accordance with the Commission's
          rules and regulations.

     C.   With respect to subpart (D) of 1122(d)(3)(i), CFIS is not responsible
          for ensuring that its reports "agree with investors' or the trustee's
          records as to the total unpaid principal balance and

Certificate of Compliance - Regulation AB
Clayton Fixed Income Services; March 2007

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          number of pool assets serviced by the Servicer." CFIS' role (in part)
          in the transactions in which it is retained is to provide oversight
          functions with respect to the servicers in such transactions and to
          identify issues in the areas of collateral reporting. In connection
          with such role, CFIS would report on discrepancies it identified
          between the balance and number of pool assets as reported by the
          various transaction fiduciaries.

4.   Those criteria listed in the column "Inapplicable Servicing Criteria" on
     Appendix A hereto are inapplicable to CFIS based on the activities it
     perfomrs with respect to the Platform;

5.   Subject to the foregoing, CIFS has complied, in all material respects, with
     the applicable servicing criteria as of December 31, 2006 and for the
     Reporting Period with respect to the Platform taken as a whole;

6.   Hein & Associates, a registered public accounting firm, has issued an
     attestation report on CFIS' assessment of compliance with the applicable
     servicing criteria for the Reporting Period. Such report is attached
     hereto.

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Certificate of Compliance - Regulation AB
Clayton Fixed Income Services; March 2007

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[CLAYTON LOGO]

March 15,2007

Clayton Fixed Income Services Inc


By: /s/ Kevin J. Kanouff
    ---------------------------------
Name: Kevin J. Kanouff
Title: President

Certificate of Compliance - Regulation AB
Clayton Fixed Income Services; March 2007

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<TABLE>
<CAPTION>
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  Regulation AB                                                           Performed   INAPPLICABLE
     Section                                                                 by         SERVICING
    Reference                         Criteria                              CFIS        CRITERIA
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                        General Servicing Considerations
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<S>                 <C>                                                       <C>           <C>
 1122(d)(1)(i)      Policies and procedures are instituted to
                    monitor any performance or other triggers                               X
                    and events of default in accordance with
                    the transaction agreements.
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 1122(d)(1)(ii)     If any material servicing activities are
                    outsourced to third parties, policies and
                    procedures are instituted to monitor the                                X
                    third party's performance and compliance with
                    such servicing activities.
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 ll22(d)(1)(iii)    Any requirements in the transaction agreements to
                    maintain a back-up servicer for the pool assets are                     X
                    maintained.
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 1122(d)(1)(iv)     A fidelity bond and errors and omissions
                    policy is in effect on the party
                    participating in the servicing function
                    throughout the reporting period in the amount                           X
                    of coverage required by and otherwise in
                    accordance with the terms of the transaction
                    agreements.
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                       Cash Collection and Administration
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 1122(d)(2)(i)      Payments on pool assets are deposited into
                    the appropriate custodial bank accounts and
                    related bank clearing accounts no more than                             X
                    two business days following receipt, or such
                    other number of days specified in the
                    transaction agreements.
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 1122(d)(2)(ii)     Disbursements made via wire transfer on
                    behalf of an obligor or to an investor                                  X
                    are made only by authorized personnel.
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 1122(d)(2)(iii)    Advances of funds or guarantees regarding
                    collections, cash flows or distributions,
                    and any interest or other fees charged for                              X
                    such advances, are made, reviewed and
                    approved as specified in the transaction
                    agreements.
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 1122(d)(2)(iv)     The related accounts for the transaction,                               X
                    such as cash reserve accounts or accounts
                    established as a form of
                    overcollateralization, are separately
                    maintained (e.g., with respect to
                    commingling of cash) as set forth in the
                    transaction agreements.
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 1122(d)(2)(v)      Each custodial account is maintained at a
                    federally insured depository institution as
                    set forth in the transaction agreements. For
                    purposes of this criterion, "federally
                    insured depository institution" with respect                            X
                    to a foreign financial institution means a
                    foreign financial institution that meets the
                    requirements of Rule 13k-1(b)(1) of the
                    Securities Exchange Act.
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 1122(d)(2)(vi)     Unissued checks are safeguarded so as to prevent                        X
                    unauthorized access.
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 1122(d)(2)(vii)    Reconciliations are prepared on a monthly
                    basis for all asset-backed securities related
                    bank accounts, including custodial accounts
                    and related bank clearing accounts. These
                    reconciliations are (A) mathematically
                    accurate; (B) prepared within 30 calendar
                    days after the bank statement cutoff date, or
                    such other number of days specified in the                              X
                    transaction agreements; (C) reviewed and
                    approved by someone other than the person who
                    prepared the reconciliation; and (D) contain
                    explanations for reconciling items. These
                    reconciling items are resolved within 90
                    calendar days of their original
                    identification, or such other number of days
                    specified in the transaction agreements.
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</TABLE>

Certificate of Compliance - Regulation AB
Clayton Fixed Income Services; March 2007

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<TABLE>
<CAPTION>
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  Regulation AB                                                           Performed   INAPPLICABLE
     Section                                                                 by         SERVICING
    Reference                         Criteria                              CFIS        CRITERIA
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                       Investor Remittances and Reporting
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<S>                 <C>                                                       <C>           <C>
 1122(d)(3)(i)      Reports to investors, including those to be                X
                    filed with the Commission, are maintained in
                    accordance with the transaction agreements and
                    applicable Commission requirements. Specifically,
                    such reports (A) are prepared in accordance with
                    timeframes and other terms set forth in the
                    transaction agreements; (B) provide information
                    calculated in accordance with the terms specified
                    in the transaction agreements; (C) are filed with
                    the Commission as required by its rules and
                    regulations; and (D) agree with investors' or the
                    trustee's records as to the total unpaid principal
                    balance and number of pool assets serviced by the
                    Servicer.
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 1122(d)(3)(ii)     Amounts due to investors are allocated and
                    remitted in accordance with timeframes,                                 X
                    distribution priority and other terms set
                    forth in the transaction agreements.
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 1122(d)(3)(iii)    Disbursements made to an investor are posted
                    within two business days to the Servicer's                              X
                    investor records, or such other number of
                    days specified in the transaction agreements.
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 1122(d)(3)(iv)     Amounts remitted to investors per the
                    investor reports agree with cancelled                                   X
                    checks, or other form of payment, or
                    custodial bank statements.
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                            Pool Asset Administration
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 1122(d)(4)(i)      Collateral or security on pool assets is
                    maintained as required by the transaction                               X
                    agreements or related mortgage loan
                    documents.
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 1122(d)(4)(ii)     Pool assets and related documents are safeguarded                       X
                    as required by the transaction agreements.
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 1122(d)(4)(iii)    Any additions, removals or substitutions to
                    the asset pool are made, reviewed and                                   X
                    approved in accordance with any conditions or
                    requirements in the transaction agreements.
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 1122(d)(4)(iv)     Payments on pool assets, including any
                    payoffs, made in accordance with the related
                    pool asset documents are posted to the
                    Servicer's obligor records maintained no more
                    than two business days after receipt, or such                           X
                    other number of days specified in the
                    transaction agreements, and allocated to
                    principal, interest or other items (e.g.,
                    escrow) in accordance with the related pool asset
                    documents.
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 1122(d)(4)(v)      The Servicer's records regarding the pool
                    assets agree with the Servicer's records                                X
                    with respect to an obligor's unpaid
                    principal balance.
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 1122(d)(4)(vi)     Changes with respect to the terms or status
                    of an obligor's pool assets (e.g., loan
                    modifications or re-agings) are made, reviewed                          X
                    and approved by authorized personnel in accordance
                    with the transaction agreements and related
                    pool asset documents.
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 1122(d)(4)(vii)    Loss mitigation or recovery actions (e.g.,
                    forbearance plans, modifications and deeds
                    in lieu of foreclosure, foreclosures and
                    repossessions, as applicable) are initiated,                            X
                    conducted and concluded in accordance with
                    the timeframes or other requirements
                    established by the transaction agreements.
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</TABLE>

Certificate of Compliance - Regulation AB
Clayton Fixed Income Services; March 2007

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<TABLE>
<CAPTION>
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  Regulation AB                                                           Performed   INAPPLICABLE
     Section                                                                 by         SERVICING
    Reference                         Criteria                              CFIS        CRITERIA
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<S>                 <C>                                                       <C>           <C>
 1122(d)(4)(viii)   Records documenting collection efforts are                              X
                    maintained during the period a pool asset is
                    delinquent in accordance with the transaction
                    agreements. Such records are maintained on at
                    least a monthly basis, or such other period
                    specified in the transaction agreements, and
                    describe the entity's activities in
                    monitoring delinquent pool assets including,
                    for example, phone calls, letters and payment
                    rescheduling plans in cases where delinquency
                    is deemed temporary (e.g., illness or
                    unemployment).
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 1122(d)(4)(ix)     Adjustments to interest rates or rates of return                        X
                    for  pool assets with variable rates are computed
                    based on the related pool asset documents.
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 1122(d)(4)(x)      Regarding any funds held in trust for an
                    obligor (such as escrow accounts): (A) such
                    funds are analyzed, in accordance with the
                    obligor's pool asset documents, on at least
                    an annual basis, or such other period
                    specified in the transaction agreements; (B)
                    interest on such funds is paid, or credited,                            X
                    to obligors in accordance with applicable
                    pool asset documents and state laws; and (C)
                    such funds are returned to the obligor within
                    30 calendar days of full repayment of the
                    related pool assets, or such other number of
                    days specified in the transaction agreements.
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 1122(d)(4)(xi)     Payments made on behalf of an obligor (such
                    as tax or insurance payments) are made on or
                    before the related penalty or expiration
                    dates, as indicated on the appropriate bills
                    or notices for such payments, provided that                             X
                    such support has been received by the
                    Servicer at least 30 calendar days prior to
                    these dates, or such other number of days
                    specified in the transaction agreements.
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 1122(d)(4)(xii)    Any late payment penalties in connection
                    with any payment to be made on behalf of an
                    obligor are paid from the Servicer's funds                              X
                    and not charged to the obligor, unless the
                    late payment was due to the obligor's error
                    or omission.
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 1122(d)(4)(xiii)   Disbursements made on behalf of an obligor
                    are posted within two business days to the
                    obligor's records maintained by the                                     X
                    Servicer, or such other number of days
                    specified in the transaction agreements.
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 1122(d)(4)(xiv)    Delinquencies, charge-offs and uncollectible
                    accounts are recognized and recorded in accordance                      X
                    with the transaction agreements.
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 1122(d)(4)(xv)     Any external enhancement or other support,
                    identified in Item 1114(a)(1) through (3) or                            X
                    Item 1115 of Regulation AB, is maintained as
                    set forth in the transaction agreements.
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</TABLE>

Certificate of Compliance - Regulation AB
Clayton Fixed Income Services; March 2007