KPMG


                   KPMG LLP
                   Suite 2000
                   355 South Grand Avenue
                   Los Angeles. CA 90071-1568





           Report of Independent Registered Public Accounting Firm


The Board of Directors
Countrywide Financial Corporation:

We have examined management's assessment, included in the accompanying
Assessment of Compliance with Applicable Servicing Criteria, that Countrywide
Financial Corporation and certain of its subsidiaries, including its direct
and indirect wholly owned subsidiaries, Countrywide Home Loans (CHL),
Countrywide Tax Services Corporation, Newport Management Corporation, and
Countrywide Home Loans Servicing L.P., a wholly owned subsidiary of CHL
(collectively the Company) complied with the servicing criteria set forth in
Item 1122(d) of the Securities and Exchange Commission's Regulation AB for
publicly issued residential mortgage-backed securities (securities
collateralized by residential mortgage loans, including prime, alternative
loan products, subprime, HELOC, and closed seconds) issued on or after January
1, 2006, for which the Company provides cash collection and administration,
investor remittances, and reporting (except for those activities relating to
trustee and paying agent services), and pool asset administration (except for
those activities relating to custodial operations of pool assets and related
documents), collectively "Servicing Functions", excluding any transactions
issued by any government sponsored enterprise for which the Company provides
Servicing Functions (the Platform), except for servicing criteria
1122(d)(1)(iii), 1122(d)(3)(i)(B), only as it relates to information other
than that contained in the monthly remittance report delivered by the servicer
to the master servicer, trustee, and/or bond administrator, and
1122(d)(3)(i)(D), only as it relates to the agreeing with investors' records
as to the total unpaid principal balance and number of pool assets serviced
by the servicer, 1122(d)(3)(ii), only as it relates to amounts other than
amounts remitted by the servicer to the master services, trustee, and/or bond
administrator, 1122(d)(3)(iii), 1122(d)(3)(iv), 1122(d)(4)(i), and
1122(d)(4)(ii), only as 1122(d)(4)(i) and 1122(d)(4)(ii) relate to the
custodial operations of the pool assets and related documents (collateral
file) by the document custodian responsible for such functions for the related
transaction and 1122(d)(4)(xv), only as it relates to Item 1115 of Regulation
AB (derivative transactions), as of and for the year ended December 31, 2006.
Management is responsible for the Company's compliance with those servicing
criteria. Our responsibility is to express an opinion on management's
assessment about the Company's compliance based on our examination.

Our examination was conducted in accordance with the standards of the Public
Company Accounting Oversight Board (United States) and, accordingly, included
examining, on a test basis, evidence about the Company's compliance with the
servicing criteria specified above and performing such other procedures as we
considered necessary in the circumstances. Our examination included testing of
less than all of the individual asset-backed transactions and securities that
comprise the Platform, testing of less than all of the servicing activities
related to the Platform, and determining whether the Company processed those
selected transactions and performed those selected activities in compliance
with the servicing criteria. Furthermore, our procedures were limited to the
selected transactions and servicing activities performed by the Company during
the period covered by this report. Our procedures were not designed to
determine whether errors may have occurred either prior to or subsequent to
our tests that may have affected the balances or amounts calculated or
reported by the Company during the period covered by this report for the
selected transactions or any other transactions. 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
servicing criteria.


In our opinion, management's assessment that the Company complied with the
aforementioned servicing criteria as of and for the year ended December 31,
2006 is fairly stated in all material respects.


                                    /s/ KPMG LLP


Los Angeles, California
February 28, 2007











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