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

a)

[KPMG logo]

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                  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, California 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 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 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