EX-34 (e)
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KPMG LLP
55 Second Street
San Francisco, CA 94105


Report of Independent Registered Public Accounting Firm

The Board of Directors
First Republic Bank:


We have examined management's assessment, included in the accompanying
Management Assessment that First Republic Bank (the Bank) complied with the
servicing criteria set forth in Item 1122(d) of the Securities and Exchange
Commission's Regulation AB for residential mortgage loans serviced for others
(the Platform), except for the servicing criteria 1122(d)(1)(iii), 1122(d)(3)
(i)(C) and 1122(d)(4)(xv), which the Bank has determined are not applicable to
the activities it performs with respect to the Platform, as of and for the year
ended December 31, 2006. Management is responsible for the Bank's compliance
with those servicing criteria. Our responsibility is to express an opinion on
management's assessment about the Bank's compliance based on our examination.

Our examination was conducted in accordance with the standards of the Public
Company Accounting Oversight Board (United States) and, accordingly, included
examining, on a test basis, evidence about the Bank's compliance with the
servicing criteria specified above and performing such other procedures as we
considered necessary in the circumstances. Our examination included testing of
less than all of the individual asset-backed transactions and securities that
comprise the Platform, testing of less than all of the servicing activities
related to the Platform, and determining whether the Bank processed those
selected transactions and performed those selected activities in compliance with
the servicing criteria. Furthermore, our procedures were limited to the selected
transactions and servicing activities performed by the Bank during the period
covered by this report. Our procedures were not designed to determine whether
errors may have occurred either prior to or subsequent to our tests that may
have affected the balances or amounts calculated or reported by the Bank during
the period covered by this report for the selected transactions or any other
transactions. We believe that our examination provides a reasonable basis for
our opinion. Our examination does not provide a legal determination on the
Bank's compliance with the servicing criteria.

As described in the accompanying Management Assessment, for servicing criteria
1122(d)(4)(iv), 1122(d)(4)(xi) and 1122(d)(4)(xii), the Bank has engaged various
vendors to perform the activities required by these servicing criteria.
The Bank has determined that these vendors are not considered a "servicer" as
defined in Item 1101(j) of Regulation AB, and the Bank has elected to take
responsibility for assessing compliance with the servicing criteria applicable
to each vendor as permitted by Interpretation 17.06 of the SEC Division of
Corporation Finance Manual of Publicly Available Telephone Interpretations
("Interpretation 17.06"). As permitted by Interpretation 17.06, the Bank has
asserted that it has policies and procedures in place designed to provide
reasonable assurance that the vendors' activities comply in all material
respects with the servicing criteria applicable to each vendor. The Bank is
solely responsible for determining that it meets the SEC requirements to apply
Interpretation 17.06 for the vendors and related criteria as described in its
assertion, and we performed no procedures with respect to the Bank's
eligibility to apply Interpretation 17.06.


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In our opinion, management's assessment that the Bank complied with the
aforementioned servicing criteria, including servicing criteria 1122(d)(4)(iv),
1122(d)(4)(xi) and 1122(d)(4)(xii) for which compliance is determined based on
Interpretation 17.06 as described above, as of and for the year ended December
31, 2006 is fairly stated, in all material respects.

/s/ KPMG LLP

San Francisco, California
February 27, 2007


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