Exhibit 99.2

[Deloitte LOGO]

   Report of Independent Registered Public Accounting Firm

                                               Deloitte & Touche LLP
                                               Suite 2300
                                               333 Clay Street
                                               Houston, TX 77002-4196
                                               USA
                                               Tel: +1 713 982 2000
                                               Fax: +1 713 982 2001
                                               www.deloitte.com


   To The Partners of Litton Loan Servicing LP:


   We have examined management's assertion that Litton Loan Servicing LP (the
   Company) has complied as of and for the year ended December 31, 2005, with
   its established minimum servicing standards described in the accompanying
   Management Assertion Report dated February 7, 2006. 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, as
   adopted by the Public Accounting Oversight Board and accordingly, included
   examining, on a test basis, evidence about the Company's compliance with its
   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 the Company's compliance with its 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 based on the
   criteria set forth in Appendix I.


   /s/ Deloitte & Touche LLP

   February 7, 2006

                                               Member of
                                               Deloitte Touche Tohmatsu

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LITTON LOAN SERVICING L.P.

APPENDIX I-MINIMUM SERVICING STANDARDS AS SET FORTH IN THE MORTGAGE BANKERS
ASSOCIATION OF AMERICA'S UNIFORM SINGLE ATTESTATION PROGRAM FOR MORTGAGE BANKERS
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I. CUSTODIAL BANK ACCOUNTS

   1. Reconciliations shall be prepared on a monthly basis for all custodial
      bank accounts and related bank clearing accounts. These reconciliations
      shall:

      o  be mathematically accurate;

      o  be prepared within forty-five (4) calendar days after the cutoff date;

      o  be reviewed and approved by someone other than the person who prepared
         the reconciliation; and

      o  document explanations for reconciling items. These reconciling items
         shall be resolved within ninety (90) calendar days of their original
         identification.

   2. Funds of the servicing entity shall be advanced in cases where there is an
      overdraft in an investor's or a mortgagor's account.

   3. Each custodial account shall be maintained at a federally insured
      depository institution in trust for the applicable investor.

   4. Escrow funds held in trust for a mortgagor shall be returned to the
      mortgagor within thirty (30) calendar days of payoff of the mortgage loan.

II. MORTGAGOR PAYMENTS

   1. Mortgage payments shall be deposited into the custodial bank accounts and
      related bank clearing accounts within two business days of receipt.

   2. Mortgage payments made in accordance with the mortgagor's loan documents
      shall be posted to the applicable mortgagor records within two business
      days of receipt.

   3. Mortgage payments shall be allocated to principal, interest, insurance,
      taxes or other escrow items in accordance with the mortgagor's loan
      documents,

   4. Mortgage payments identified as loan payoffs shall be allocated in
      accordance with the mortgagor's loan documents.

III. DISBURSEMENTS

   1. Disbursements made via wire transfer on behalf of a mortgagor or investor
      shall be made only by authorized personnel.

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   2. Disbursements made on behalf of a mortgagor or investor shall be posted
      within two business days to the mortgagors' records maintained by the
      servicing entity.

   3. Tax and insurance payments shall be made on or before the penalty or
      insurance policy expiration dates, as indicated on the tax bills and
      insurance premium notices, respectively, provided that such support
      has been received by the servicing entity at least thirty (30)
      calendar days prior to these dates.

   4. Any late payment penalties paid in conjunction with the payment of any tax
      bill or insurance premium notice shall be paid from the servicing entity's
      funds and not charged to the mortgagor, unless the late payment was due to
      the mortgagor's error or omission.

   5. Amounts remitted to investors per the servicer's investor reports shall
      agree with cancelled checks, or other form of payment, or custodial bank
      statements.

   6. Unused checks shall be safeguarded so as to prevent unauthorized access.

IV. INVESTOR ACCOUNTING AND REPORTING

   1. The servicing entity's investor reports shall agree with, or reconcile to,
      investors' records on a monthly basis as to the total unpaid principal
      balance and number of loans serviced by the servicing entity.

V. MORTGAGOR LOAN ACCOUNTING

   1. The servicing entity's mortgage loan records shall agree with, or
      reconcile to, the records of mortgagors with respect to the unpaid
      principal balance on a monthly basis.

   2. Adjustments on ARM loans shall be computed based on the related mortgage
      note and any ARM rider.

   3. Escrow accounts shall be analyzed, in accordance with the mortgagor's loan
      documents, on at least an annual basis.

   4. Interest on escrow accounts shall be paid, or credited, to mortgagors in
      accordance with the applicable state laws.

VI. DELINQUENCIES

   1. Records documenting collection efforts shall be maintained during the
      period a loan is in default and shall be updated at least monthly. Such
      records shall describe the entity's activities in monitoring delinquent
      loans including, for example, phone calls, letters and mortgage payment
      rescheduling plans in cases where the delinquency is deemed temporary
      (e.g., illness or unemployment).

VII. INSURANCE POLICIES

   1. A fidelity bond and errors and omissions policy shall be in effect on the
      servicing entity throughout the reporting period in the amount of coverage
      represented to investors in management's assertion.

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[LLS Litton Loan Servicing LOGO]

                                               4828 Loop Central Drive
                                               Houston TX 77081
                                               Telephone 1-800-999-8501
                                               Fax 713-966-8906
                                               www.littonloan.com


February 7, 2006


MANAGEMENT ASSERTION REPORT

As of and for the year ended  December 31, 2005,  Litton Loan  Servicing LP (the
Company) has complied, in all material respects,  with the Company's established
minimum  servicing  standards  for  residential  mortgage  loans as set forth in
Appendix I (the  "Standards").  The Standards are based on the Mortgage  Bankers
Association  of  America's  Uniform  Single  Attestation  Program  for  Mortgage
Bankers. As of and for this same period,  Litton Loan Servicing LP had in effect
a fidelity bond in the amount of $50,000,000 and an errors and omissions  policy
in the amount of $50,000,000.


/s/ Larry B. Litton, Jr.
------------------------
Larry B. Litton, Jr.
President & CEO


/s/ Elizabeth Folk
------------------------
Elizabeth Folk
Senior Vice President and
Chief Financial Officer