EXHIBIT 99.1 -  Independent Accountant's Servicing Report for the year
                ended December 31, 2005


a)

[KPMG logo]
		KPMG LLP			Telephone  213 972 4000
		Suite 2000			Fax	   213 622 1217
		355 South Grand Avenue		Internet   www.us.kpmg.com
		Los Angeles, CA 90071-1568






             		Independent Accountants' Report



The Board of Directors
Countrywide Financial Corporation:

We have examined management's assertion, included in the accompanying Management
Assertion, that Countrywide Financial Corporation and subsidiaries, including
its wholly-owned subsidiary, Countrywide Home Loans, Inc. ("CHL"), and
Countrywide Home Loans Servicing, L.P., a wholly-owned subsidiary of CHL,
(collectively, the "Company") complied with the minimum servicing standards
set forth in the Mortgage Bankers Association of America's Uniform Single
Attestation Program for Mortgage Bankers (USAP) as of and for the year ended
December 31, 2005. 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 and,
accordingly, included examining, on a test basis, evidence about the
Company's compliance with the minimum servicing standards specified above 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 the minimum servicing standards.

In our opinion, management's assertion that Countrywide Financial Corporation
and subsidiaries, including its wholly-owned subsidiary, Countrywide Home
Loans, Inc. ("CHL"), and Countrywide Home Loans Servicing, L.P., a wholly-owned
subsidiary of CHL, complied with the aforementioned minimum servicing standards
as of and for the year ended December 31, 2005 is fairly stated, in all
material respects.




		/s/ KPMG LLP


March 3, 2006



b)

[Ernst & Young Logo]	  Ernst & Young LLP	     Phone:(213) 977-3200
			  725 South Figueroa Street  www.ey.com
                          Los Angeles, CA 90017-5418



			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 Registered Public Accounting Firm

Board of Directors and Shareholder
IndyMac Bank, F.S.B.

We have examined management's assertion, included in the accompanying report
titled Report of Management, that IndyMac Bank, F.S.B. (the Bank) complied with
the servicing standards identified in Exhibit A (the "specified minimum
servicing standards") to the Report of Management as set forth in the Mortgage
Bankers Association of America's Uniform Single Attestation Program for
Mortgage Bankers (USAP) during the year ended December 31, 2005. Management is
responsible for the Bank's compliance with these specified minimum servicing
standards. Our responsibility is to express an opinion on management's
assertion about the Bank's compliance based on our examination.
Our examination was made in accordance with standards established by the
American Institute of Certified Public Accountants and, accordingly, included
examining, on a test basis, evidence about the Bank's compliance with the
specified minimum servicing standards and perfonning 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  Bank's compliance with the specified minimum
servicing standards.

In our opinion, management's assertion that the Bank 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

February 21, 2006