EXHIBIT 99.1 -  Report of Independent Registered Public Accounting Firm
		for the year ended December 31, 2005


REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM
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 Company 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




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 minimum
servicing standards 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


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
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:
*	be mathematically accurate;

*	be prepared within forty-five (45) calendar days after the
cutoff date;

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

*	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.	MORTGAGE 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.
2.	Disbursements made on behalf of a mortgagor or investor shall be
posted within two business days to the mortgagor's or investor's 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 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.