Exhibit 99.2  -  Report of Management as to compliance with minimum
		 servicing standards for the year ended December 31, 2005



(a) 	[SELECT
	PORTFOLIO
	SERVICING, INC. logo]


Management's Assertion on Compliance with the Specified Minimum Servicing
Standards set forth in the Mortgage Bankers Association of America's Uniform
Single Attestation Program for Mortgage Bankers (USAP)


		     Report of Management


We as members of management of Select Portfolio Servicing, Inc. and
Subsidiaries (the "Company"), an indirect subsidiary of Credit Suisse
(USA), Inc. are responsible for complying with 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 the Company's compliance with the specified
minimum servicing standards as of and for the year ended December 31, 2005.
Based on this evaluation, we assert that as of and for the year ended
December 31, 2005, the Company complied, in all material respects, with the
specified minimum servicing standards. As of and for the year ended
December 31, 2005, the Company had in effect fidelity bond coverage in the
amount of $25,000,000 and an errors and omissions policy in the amount
of $10,000,000.


Very truly yours,


Select Portfolio Servicing, Inc. and Subsidiaries, an indirect subsidiary of
Credit Suisse (USA) Inc.





/s/ Matthew L. Hollingsworth                       /s/ Bryan M. Marshall
Matthew L. Hollingsworth	                   Bryan M. Marshall
Chief Executive Officer	                           Chief Financial Officer



/s/ Timothy J. O'Brien
Timothy J. O'Brien
Executive Vice President of Servicing
Operations


February 28, 2006



(b) [Wells Fargo Home Mortgage logo]  		          1 Home Campus
						          Des Moines, IA 50328



          Assertion of Management of Wells Fargo Home Mortgage,
                   a division of Wells Fargo Bank, N.A.



As of and for the year ended December 31, 2005, Wells Fargo Home Mortgage,
a division of Wells Fargo Bank, N.A. (the Company) has complied in all material
respects 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 this same period, the Company had in effect a fidelity bond along
with an errors and omissions policy in the amounts of $100 million and
$20 million, respectively.




/s/ Michael J. Heid                                           February 21, 2006
Michael J. Heid, Division President, Capital Markets, Finance, & Administration
Wells Fargo Home Mortgage, a division of Wells Fargo Bank, N.A.


/s/ Franklin R. Codel 			      February 21, 2006
Franklin R. Codel, Executive Vice President, Finance and Corporate Real Estate
Wells Fargo Home Mortgage, a division of Wells Fargo Bank, N.A.


/s/ Mary Coffin         			      February 21, 2006
Mary Coffin, Executive Vice President, Servicing & Post Closing
Wells Fargo Home Mortgage, a division of Wells Fargo Bank, NA.


/s/ Cara K. Heiden         				      February 21, 2006
Cara K. Heiden, Division President, Nat'l Consumer & Institutional Lending
Wells Fargo Home Mortgage, a division of Wells Fargo Bank, N.A.