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

a)

[Ernst & Young logo]        Ernst & Young LLP            Phone: (720) 931-4000
                            Suite 3300                   Fax:   (720) 931-4444
                            370 17th Street              www.ey.com
		            Denver, Colorado 80202-5663





                  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 Registered Public Accounting Firm


Member
Aurora Loan Services LLC

We have examined management's assertion, included in the accompanying report
titled Report of Management, that Aurora Loan Services LLC (the Company)
complied with the servicing standards identified in Exhibit A (the specified
minimum servicing standards) to the Report of Management as set forth in the
Mortgage Bankers Association of America's Uniform Single Attestation Program
for Mortgage Bankers (USAP) during the year ended November 30, 2005.
Management is responsible for the Company's compliance with these specified
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 made in accordance with 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
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 the Company's compliance with the specified minimum
servicing standards.

In our opinion, management's assertion that the Company complied with the
aforementioned specified minimum servicing standards during the year ended
November 30, 2005, is fairly stated, in all material respects.


                              /s/ Ernst & Young LLP


February 17, 2006

b)


[PRICEWATERHOUSECOOPERS logo]

						PricewaterhouseCoopers LLP
						PricewaterhouseCoopers Center
						300 Madison Avenue
						New York NY 10017
						Telephone (646) 471 3000
						Facsimile (813) 286 6000




	       	Report of Independent Accountants




To the Board of Directors and Stockholder
of GMAC Mortgage Corporation:

We have examined management's assertion about GMAC Mortgage Corporation and its
subsidiaries (the "Company") compliance with the minimum servicing standards
identified 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 included in the accompanying management assertion (see
Exhibit I). 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 performed 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 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.




/s/ PricewaterhouseCoopers LLP



March 21, 2006

c)



[Ernst & Young logo]	Ernst & Young LLP		Phone: (412) 644-7800
			2100 One PPG Place		www.ey.com
			Pittsburgh, Pennsylvania 15222


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 Registered Public Accounting Firm


Board of Directors and Shareholders of
National City Home Loan Services, Inc.
  A Subsidiary of National City Bank of Indiana

We have examined management's assertion, included in the accompanying report
titled Report of Management, that National City Home Loan Services, Inc. (NCHLS)
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, 2005.  Management
is responsible for NCHLS' compliance with the specified minimum servicing
standards.  Our responsibility is to express an opinion on management's
assertions about NCHLS' compliance based on our examination.

Our examination was made in accordance with attestation established by the
Public Company Accounting Oversight Board (United States) and, accordingly,
included examining, on a test basis, evidence about NCHLS' 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 NCHLS' compliance with specified minimum servicing
standards.

In our opinion, management's assertion that NCHLS complied with the
aforementioned specified minimum servicing standards during the year ended
December 31, 2005, is fairly stated, in all material respects.

/s/ Ernst & Young LLP

March 1, 2006


d)



[KPMG logo]

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




			Independent Accountant's Report



The Board od Directors and Stockholder
Option One Mortgage Corporation:

We have examined management's assertion, included in the accompanying
management assertion, that Option One Mortgage Corporation complied with the
minimum servicing standards set forth in the Mortgage Bankers Association of
America's Uniform Single Attestation Program for Mortgage Bankers as of and
for the year ended December 31, 2005. Management is responsible for Option One
Mortgage Corporation'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, including examining, on a test basis, evidence about Option One
Mortgage Corporation'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 Option One Mortgage Corporation's compliance with the minimum
servicing standards.

In our opinion, management's assertion that Option One MOrtgage Corporation
complied with the aforementioned minimum servicing standards as of and for the
year ended December 31, 2005 is fairly stated in all material respects.

          /s/ KPMG LLP


Los Angeles, California
February 28, 2006