EXHIBIT 99.1 -  Independent Accountant's Servicing Report for the year
                ended December 31, 2005

A)

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		Report of Independent Certified Public Accountants


To the Board of Directors of
Ocwen Loan Servicing, LLC

We have examined management's assertion that Ocwen Loan Servicing,LLC
("OLS"), as successor to Ocwen Federal Bank FSB (the "Bank"), has
complied with the minimum servicing standards identified in the
Mortgage Bankers Association of America's ("MBA's") Uniform Single
Attestation Program for Mortgage Bankers ("USAP") as of and for the
year ended December 31, 2005 included in the accompanying Management
Assertion on Compliance with USAP. Management is responsible for OLS's
compliance with those minimum servicing standards. Our responsibility
is to express an opinion on management's assertion about OLS'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
OLS's compliance with the 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
OLS's compliance with the minimum servicing standards.

Our examination disclosed noncompliance with minimum servicing
standards related to custodial account reconciliations and adjustments
on adjustable rate mortgages applicable to OLS during the year ended
December 31, 2005 which is described in the accompanying Management
Assertion on Compliance with USAP.

In our opinion, management's assertion that OLS complied with the
aforementioned minimum servicing standards, except for noncompliance as
described in the accompanying Management Assertion on Compliance with
USAP, as of and for the year ended December 31, 2005 is fairly stated,
in all material respects.


					/s/ PricewaterhouseCoopers LLP
February 27, 2006


B)

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		          Independent Accountants' Report

To the Advisory Committee of Select Portfolio Servicing, Inc. and Subsidiaries,
an indirect subsidiary of Credit Suisse (USA), Inc.:

We have examined management's assertion, included in the accompanying
Appendix I, that Select Portfolio Servicing, Inc. and Subsidiaries
("the Company"), an indirect subsidiary of Credit Suisse (USA), Inc., complied
with the applicable minimum servicing standards as 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 servicing standards as of and for the year ended December 31,
2005, is fairly stated, in all material respects.




/s/ KPMG LLP

February 28, 2006


C)

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                    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.


                               KPMG LLP


February 21, 2006