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

a)

[PRICEWATERHOUSECOOPERS logo]

					PricewaterhouseCoopers LLP
					222 Lakeview Avenue
					Suite 380
					West Palm Beach FL 33401
					Telephone (561) 832 0038
					Facsimile (561) 805 8181

		Report of Independent Certified Public Accountants


To the Board of Directors of
Ocwen Loan Servicing, LLC

We have examined management's assertion that Ocwen Loan Servicing,LLC
("OLS"), as successor to Ocwen Federal Bank FSB (the "Bank"), has
complied with the minimum servicing standards identified in the
Mortgage Bankers Association of America's ("MBA'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 on Compliance with USAP. Management is responsible for OLS's
compliance with those minimum servicing standards. Our responsibility
is to express an opinion on management's assertion about OLS'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
OLS'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
OLS's compliance with the minimum servicing standards.

Our examination disclosed noncompliance with minimum servicing
standards related to custodial account reconciliations and adjustments
on adjustable rate mortgages applicable to OLS during the year ended
December 31, 2005 which is described in the accompanying Management
Assertion on Compliance with USAP.

In our opinion, management's assertion that OLS complied with the
aforementioned minimum servicing standards, except for noncompliance as
described in the accompanying Management Assertion on Compliance with
USAP, as of and for the year ended December 31, 2005 is fairly stated,
in all material respects.


					/s/ PricewaterhouseCoopers LLP
February 27, 2006

------------------------------------------------------------------------


b)  [KPMG logo]	         KPMG LLP		     Telephone 312 665 1000
	                 303 East Wacker Drive	     Fax       312 665 6038
		         Chicago, IL 60601	     Internet www.us.kpmg.com









		          Independent Accountants' Report

To the Advisory Committee of Select Portfolio Servicing, Inc. and Subsidiaries,
an indirect subsidiary of Credit Suisse (USA), Inc.:

We have examined management's assertion, included in the accompanying
Appendix I, that Select Portfolio Servicing, Inc. and Subsidiaries
("the Company"), an indirect subsidiary of Credit Suisse (USA), Inc., complied
with the applicable minimum servicing standards as 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 servicing standards as of and for the year ended December 31,
2005, is fairly stated, in all material respects.




/s/ KPMG LLP

February 28, 2006




---------------------------------------------------------------





c)

[Deloitte logo]

						Deloitte & Touche LLP
						Suite 390O
						111 SW Fifth Avenue
						Portland, OR 97204-3642
						USA

						Tel: +1 503 222 1341
						Fax: +1 503 224 2172
						www.deloitte.com



REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM


To the Board of Directors of
Wilshire Credit Corporation:


We have examined management's assertion that Wilshire Credit Corporation,
a wholly owned subsidiary of Merrill Lynch Mortgage Capital Inc., a division
of Merrill Lynch & Co., New York, NY (the "Company"), has complied as of and
for the year ended December 31, 2005, with its established minimum servicing
standards described in the accompanying Management's Assertion on Minimum
Servicing Standards dated February 27, 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


February 27, 2006


THIS REPORT MAY NOT BE INCLUDED, REFERENCED TO, OR INCORPORATED BY
REFERENCE IN ANY PUBLIC FILINGS WITH THE SECURITIES AND EXCHANGE
COMMISSION WITHOUT PRIOR WRITTEN APPROVAL BY DELOITTE & TOUCHE LLP.



						Member of
						Deloitte Touche Tohmatsu