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           Report of Independent Registered Public Accounting Firm


To Shareholders and the Board of Directors of
Assurant, Inc.:


We have examined American Security Insurance Company, Standard Guaranty
Insurance Company and TrackSure Insurance Agency, Inc. (formerly, "Safeco
Financial Institution Solutions, Inc.") (affiliates of Assurant Inc.,
collectively the "Asserting Party")'s compliance with the servicing criteria
set forth in Item 1122(d)(2)(vi), 1122(d)(4)(xi) and 1122(d)(4)(xii) of the
Securities and Exchange Commission's Regulation AB for the insurance escrow
servicing activities it performs with respect to all mortgage backed
securities transactions that were registered after January 1, 2006 with the
Securities and Exchange Commission pursuant to the Securities Act of 1933 (the
"Platform Transactions") described in the accompanying Management's Report on
Assessment of Compliance with 1122(d)(2)(vi), 1122(d)(4)(xi) and 1122(d)(4)
(xii) of Regulation AB Servicing Criteria, as of December 31, 2007
and for the year then ended, excluding criteria 1122(d)(1)(i) through 1122
(d)(1)(iv), 1122 (d)(2)(i) through 1122(d)(2)(v), 1122(d)(2)(vii), 1122(d)(3)
(i) through 1122(d)(3)(iv), 1122(d)(4)(i) through 1122(d)(4)(x) and
1122(d)(4)(xiii) through 1122(d)(4)(xv), which the Asserting Party has
determined are not applicable to the activities performed by it with respect
to the Platform. Management is responsible for the Company's compliance with
the servicing criteria. Our responsibility is to express an opinion on the
Company's compliance with the servicing criteria based on our examination.

Our examination was conducted in accordance with standards of the Public
Company Accounting Oversight Board (United States) and, accordingly, included
examining, on a test basis, evidence about the Company's compliance with the
applicable servicing criteria and performing such other procedures as we
considered necessary in the circumstances. Our examination included testing
of selected asset-backed transactions and securities that comprise the
Platform, testing of selected servicing activities related to the Platform,
and determining whether the Company processed those selected transactions and
performed those selected activities in compliance with the applicable
servicing criteria. Our procedures were limited to the selected transactions
and servicing activities performed by the Company during the period covered
by this report. Our procedures were not designed to detect noncompliance
arising from errors that may have occurred prior to or subsequent to our
tests that may have affected the balances or amounts calculated or reported
by the Company during the period covered by this report. 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
servicing criteria.

Our examination disclosed the following material noncompliance with the
servicing criteria set forth in Item 1122(d)(4)(xii) of Regulation AB
applicable to the Company during the year ended December 31, 2007. As
required by Item 1122(d)(4)(xii) of Regulation AB, any late payment penalties
in connection with any payment to be made on behalf of an obligor are paid
from the servicer's funds are not charged to the obligor, unless the late
payment was due to the obligor's error or omission. The Asserting Party did
not have, during the Reporting Period, sufficient policies and procedures to
capture the information with respect to the Platform Transactions necessary
to determine compliance with 1122(d)(4)(xii)

In our opinion, except for the material noncompliance described in the
preceding paragraph, the Asserting Party complied with the aforementioned
applicable servicing criteria as of and for the year ended December 31, 2007
for the Platform, in all material respects.


/s/PricewaterhouseCoopers LLP
------------------------------------------

February 19, 2008