EX-34 (d)
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Deloitte & Touche LLP
Suite 2300
333 Clay Street
Houston, TX 77002-4196
USA
Tel: +1 713 982 2000
Fax: +1 713 982 2001
www.deloitte.com

A REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

To the Partners of
Litton Loan Servicing LP:

We have examined Litton Loan Servicing LP ("the Company's") compliance with the
servicing criteria set forth in Item 1122 (d) of the Securities and Exchange
Commission's Regulation AB for the Residential Mortgage Loans Platform ("the
Platform") described in the accompanying Management's Report on Assessment of
Compliance with SEC Regulation AB Servicing Criteria as of and for the year
ended December 31, 2006, excluding criteria 1122 (d)(1)(iii), 1122 (d)(3)(i)(c),
1122 (d)(3)(ii) regarding the waterfall calculation, 1122 (d)(4)(i), 1122
(d)(4)(ii), and 1122 (d)(4)(xv), which management has determined are not
applicable to the activities performed by the Company with respect to the
Platform. Management is responsible for the Company's compliance with the
servicing criteria. Our responsibility is to express an opinion on the Company's
compliance with the servicing criteria 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 (United States) and,
accordingly, included examining, on a test basis, evidence about the Company's
compliance with the applicable servicing criteria, including tests on a sample
basis of the servicing activities related to the Platform, determining whether
the Company performed those selected activities in compliance with the servicing
criteria during the specified period and performing such other procedures as we
considered necessary in the circumstances. Our procedures were limited to
selected servicing activities performed by the Company during the period covered
by this report and, accordingly, such samples may not have included servicing
activities related to each specific asset-backed transaction included in the
Platform. Further, an examination is not designed to detect noncompliance
arising from errors that may have occurred prior to the period specified above
that may have affected the balances or amounts calculated or reported by the
Company during the period covered by this report. 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
servicing criteria.

Our examination disclosed the following material noncompliance with the
servicing criteria set forth in Item 1122 (d) of the Securities and Exchange
Commission's Regulation AB applicable to the Company during the year ended
December 31, 2006:

*  1122(d)(2)(vii)-Reconciliations contain exceptions for reconciling items.
   These reconciling items are resolved within 90 calendar days of their
   original identification, or such other number of days as specified in the
   transaction agreements. Our testing of reconciliations included certain
   reconciling items that were not resolved within 90 calendar days of their
   original identification on eleven of sixty-three investor bank account
   reconciliations selected for testing. The net of these reconciling items for
   those eleven reconciliations was $216,950.

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*   1122(d)(4)(ix)-Adjustments to interest rates or rates of return for pool
    assets with variable rates are computed based on the related pool asset
    documents. Our testing of sixty-five adjustable rate mortgages revealed two
    instances for which the interest rate reset in the servicing system did not
    agree to the interest rates in the appropriate servicing index per the
    borrower's note documents. These were the result of incorrect information
    transferring from the prior servicer. Additionally, the same sixty-five
    mortgages selected for testing included one instance where the adjustable
    rate mortgage payment change date in the servicing system did not agree to
    the loan documents.

In our opinion, except for the material noncompliance described in the
preceding paragraph, the Company complied, in all material respects, with the
aforementioned applicable servicing criteria for the Residential Mortgage Loans
Platform as of and for the year ended December 31, 2006.

/s/Deloitte & Touche LLP

Houston, Texas
February 27, 2007


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