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

a)

[Ernst & Young logo]        Ernst & Young LLP            Phone: (720) 931-4000
                            Suite 3300                   Fax:   (720) 931-4444
                            370 17th Street              www.ey.com
		            Denver, Colorado 80202-5663





                  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


Member
Aurora Loan Services LLC

We have examined management's assertion, included in the accompanying report
titled Report of Management, that Aurora Loan Services LLC (the Company)
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 November 30, 2005.
Management is responsible for the Company's compliance with these specified
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 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 Company's compliance with the
specified 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 the specified minimum
servicing standards.

In our opinion, management's assertion that the Company complied with the
aforementioned specified minimum servicing standards during the year ended
November 30, 2005, is fairly stated, in all material respects.


                              /s/ Ernst & Young LLP


February 17, 2006

b)

[PricewaterhouseCoopers LLP logo]

PricewaterhouseCoopers LLP
PricewaterhouseCoopers Center
300 Madison Avenue
New York NY 10017
Telephone (646) 471 3000
Facsimile (813) 286 6000

Report of Independent Auditors

To the Board of Directors and Stockholder
of Chase Home Finance LLC:


We have examined management's assertion about Chase Home Finance LLC's (the
"Company") compliance with the minimum servicing standards identified 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
included in the accompanying management assertion (see Exhibit I). 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 made 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 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 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.

/s/ PricewaterhouseCoopers LLP

March 13, 2006

c)

[Payne Falkner Smith & Jones, P.C. logo]



Report of Independent Auditors on Compliance with Requirements of the Uniform
Single Attestation Program for Mortgage Bankers



Board of Directors and Stockholder
of Colonial Savings, F.A.


We have examined management's assertion about Colonial Savings, F.A.
("Colonial") compliance with the minimum servicing standards identified
in the Mortgage Bankers Association of America's Uniform Single Attestation
Program for Mortgage Bankers ("USAP") as of and for the year ended September
30, 2005, included in the accompanying management's assertion about Colonial's
compliance based on our examination.

Our examination was made in accordance with attestation standards established
by the American Institute of Certified Public Accountants and accordingly,
included examining, on test basis, evidence about Colonial's compliance with
the 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 Colonial's compliance with the minimum servicing
standards.

In our opinion, management's assertion that Colonial complied with the
aforementioned minimum servicing standards as of and for the year ended
September 30, 2005, is fairly stated, in all material respects.


/s/ Payne Falkner Smith & Jones, P.C.

November 28, 2005

d)


[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

e)

REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

To the Board of Directors of Fifth Third Mortgage Company:

We have examined management's assertion that Fifth Third Mortgage Company
(the "Company") has complied as of and for the year ended December 31, 2005,
with its established minimum servicing standards for residential mortgage
loans described in the accompanying Management's Assertion dated
March 9,2006. 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



Cincinnati, Ohio

March 9, 2006


f)

[PRICEWATERHOUSECOOPERS logo]

						PricewaterhouseCoopers LLP
						PricewaterhouseCoopers Center
						300 Madison Avenue
						New York NY 10017
						Telephone (646) 471 3000
						Facsimile (813) 286 6000




	       	Report of Independent Accountants




To the Board of Directors and Stockholder
of GMAC Mortgage Corporation:

We have examined management's assertion about GMAC Mortgage Corporation and its
subsidiaries (the "Company") compliance with the minimum servicing standards
identified 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 included in the accompanying management assertion (see
Exhibit I). 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 performed 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 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 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.




/s/ PricewaterhouseCoopers LLP



March 21, 2006

g)

[KPMG logo]
			Suite 2800
			One Biscayne Tower
			Two South Biscayne Boulevard
			Miami, FL 33131







		   Independent Accountants' Report



The Board of Directors
The Hemisphere National Bank:


We have examined management's assertion, included in the accompanying report,
that The Hemisphere National Bank 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 Hemisphere
National Bank's compliance with those 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 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
Hemisphere National Bank'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 Hemisphere National Bank's compliance with the minimum
servicing standards.

In our opinion, management's assertion that The Hemisphere National Bank
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
Certified Public Accountants

h)

[PricewaterhouseCoopers LLP logo]

PricewaterhouseCoopers LLP
PricewaterhouseCoopers Center
300 Madison Avenue
New York NY 10017
Telephone (646) 471 3000
Facsimile (813) 286 6000


Report of Independent Auditors

To the Board of Directors and Stockholder
of JPMorgan Chase Bank, National Association:

We have examined management's assertion about JPMorgan Chase Bank, National
Association's (the "Company") compliance with the minimum servicing standards
identified in the Mortgage Bankers Association of America's Uniform Single
Attestation Program for Mortgage Bankers ("USAP") solely as they relate to
standard VII, Insurance Policies (the "Applicable Standard"), as of and for
the year ended December 31, 2005 included in the accompanying management
assertion. Management is responsible for the Company's compliance with the
Applicable Standard. Our responsibility is to express an opinion on
management's assertion about the Company's compliance, solely as it relates
to the Applicable Standard based on our examination. The Company uses
subservicing organizations to perform the servicing obligations subject to
minimum servicing standards I-VI of USAP. We did not examine the Company's
compliance with standards I-VI of USAP and, accordingly, do not express
an opinion thereon.

Our examination was made in accordance with attestation standards established
by the American Institute of Certified Public Accountants and, accordingly,
including examining, on a test basis, evidence about the Company's compliance
with the Applicable Standard 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 Applicable
Standard.

In our opinion, management's assertion that the Company complied with the
Applicable Standard solely as it relates to standard VII, Insurance Policies,
as of and for the year ended December 31, 2005 is fairly stated, in all
material aspects.


/s/ PricewaterhouseCoopers LLP

March 13, 2006

i)

[UHY LLP Certified Public Accountants logo]




REPORT OF INDEPENDENT ACCOUNTANTS


Board of Directors
Midwest Loan Services, Inc.


We have examined management's assertion, included in the accompanying report
titled Report of Management, that Midwest Loan Services, Inc. complied with
the servicing standards identified in exhibit A 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 Company's compliance
with those specified 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 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 Company's
compliance with the specified minimum servicing standards and performing
such other procedures as we considered necessary in the circumstances.
We believe that our examination does not provide a legal determination on
the Company's compliance with specified minimum servicing standards.

In our opinion, management's assertion that the Company complied with the
aforementioned specified minimum standards during the year ended
December 31, 2005 is fairly stated, in all material respects.


/s/ UHY LLP

Southfield, Michigan
January 20, 2006


j)

[Ernst & Young logo]	Ernst & Young LLP	Phone: (216) 861-5000
			Suite 1300		www.ey.com
			925 Euclid Avenue
			Cleveland, Ohio 44115

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 Accountants

Board of Directors
National City Mortgage Co.

We have examined management's assertion, included in the accompanying report
titled Report of Management, that National City Mortgage Co. (NCM) complied
with the minimum servicing standards identified in Exhibit A to the Report of
Management (the specific minimum servicing standards) as set forth in the
Mortgage Bankers Association of America's Uniform Single Attestation Program
for Mortgage Bankers during the year-ended December 31, 2005.  Management is
responsible for NCM's compliance with the specified minimum servicing
standards.  Our responsibility is to express an opinion on management's
assertions about NCM's compliance based on our examination.

Our examination was made in accordance with attestation established by the
Public Company Accounting Oversight Board (United States) and, accordingly,
included examining, on a test basis, evidence about NCM's compliance with the
specified 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 NCM's compliance with specified minimum servicing
standards.

In our opinion, management's assertion that NCM 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

March 1, 2006

k)

[PricewaterhouseCoopers logo]

                                              PricewaterhouseCooper LLP
                                              10 Tenth Street, Suite 1400
                                              Atlanta GA 30309-3851
                                              Telephone (678) 4191000
                                              Facsimile (678) 4191239


                    Report of Independent Accounts


To the Board of Directors and Stockholder
of Sun Trust Mortgage, Inc. and Subsidiaries:


We have examined management's assertion about Sun Trust Mortgage, Inc. and its
subsidiaries' (the "Company") compliance with the minimum servicing standards
identified 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 included in the accompanying management assertion
(see Exhibit I). 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 made 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 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 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.


/s/ PricewaterhouceCoopers LLP

February 21,2006

l)

[KPMG LLP.logo]

             KPMG LLP
	     2500 Ruan Center
	     666 Grand Avenue
	     Des Moines, IA 50309




                    Independent Accountants' Report



The Board of Directors
Wells Fargo Home Mortgage, a division of Wells Fargo Bank, N.A.:


We have examined management's assertion, included in the accompanying Assertion
of Management of Wells Fargo Home Mortgage, a division of Wells Fargo Bank, N.A.
(the Company), that 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 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.


                              /s/ KPMG LLP


February 21,2006