[Letterhead of ERNST & YOUNG]           Exhibit 99.2c



                        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 Accountants


Board of Directors
National City Mortgage Co.

We have examined management's assertion, included in the accompanying
report titled Report of Management, that National City Mortgage Co. (NCM)
 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 during the year ended December 31, 2005.
 Management is responsible for NCM's compliance with the specified minimum
servicing standards. Our responsibility is to express an opinion on
management's assertions about NCM's compliance based on our examination.

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

In our opinion, management's assertion that NCM 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









[Letterhead of National City Mortgage Co.]

                Management's Assertion on Compliance with the Specified Minimum
        Servicing Standards Set Forth in the Uniform Single Attest for Mortgage
 Bankers

                         Report of Management


We, as members of management of National City Mortgage Co. (NCM) are
responsible for complying with the servicing standards identified in the
 attached Exhibit A (the specified minimum servicing standards) as set forth
in the Mortgage Bankers Association of America's Uniform Single Attestation
Program for Mortgage Bankers (USAP). We are also responsible for establishing
and maintaining effective internal control over compliance with these specified
 minimum servicing standards. We have performed an evaluation of NCM's
 compliance with the specified minimum servicing standards as of
December 31, 2005 and for the year then ended. Based on this evaluation,
we assert that during the year ended December 31, 2005, NCM complied, in all
material respects, with the specified minimum servicing standards set forth in
 the USAP.

As of December 31, 2005 and for the year then ended, NCM had in effect a
 fidelity bond policy in the amount of $200 million and an errors and omissions
 policy in the amount of $250 million.



/s/ Steven M. Scheid
---------------------------
Senior Vice President


/s/ T. Jackson Case, Jr.
---------------------------
Executive Vice President


March 1, 2006