EX-33.1
(logo) BANCO POPULAR

PO Box 362708
San Juan, Puerto Rico 00936-2708
Telefonos (787) 765-9800, 751-9800



Certification Regarding Compliance with Applicable Servicing Criteria

1. Banco Popular de Puerto Rico (BPPR) is responsible for assessing compliance
   with the servicing criteria applicable to it under paragraph (d) of Item
   1122 of Regulation AB, as of and for the year ended December 31, 2007 (the
   "Reporting Period"), as set forth in Appendix A hereto. The transactions
   covered by this report include asset-backed securities transactions for
   which BPPR acted as servicer and custodian involving first lien residential
   mortgage loans as described on Appendix B other than (a) transactions
   registered prior to compliance with Regulation AB and (b) Freddie Mac,
   Fannie Mae and Ginnie Mae residential mortgage loan securitizations (
   the"Platform");

2. BPPR has engaged certain vendors, which are not servicers as defined in Item
   1101(j) of Regulation AB (the "Vendors") to perform specific, limited or
   scripted activities, and the Company elects to take responsibility for
   assessing compliance with the servicing criteria or portion of the servicing
   criteria applicable to such Vendors' activities as set forth in Appendix A
   hereto. The Company has policies and procedures in place designed to provide
   reasonable assurance that the Vendor's activities comply in all material
   respects with the servicing criteria applicable to the vendor's;

3. Except as set forth in paragraph 4 below, BPPR used the criteria set forth
   in paragraph (d) of Item 1122 of Regulation AB to assess the compliance with
   the applicable servicing criteria;

4. The criteria listed in the column titled Inapplicable Servicing Criteria" on
   Appendix A hereto are inapplicable to BPPR based on the activities it
   performs, directly or through its Vendors, with respect to the Platform;

5. BPPR has complied, in all material respects, with the applicable servicing
   criteria as of December 31, 2007 and for the Reporting Period with respect
   to the Platform taken as a whole;

6. BPPR has not identified and is not aware of any material instance of
   noncompliance by the Vendors with the applicable servicing criteria as of
   December 31, 2007 and for the Reporting Period with respect to the Platform
   taken as a whole;

7. BPPR has not identified any material deficiency in its policies and
   procedures to monitor the compliance by the Vendors with the applicable
   servicing criteria as of December 31, 2007 and for the Reporting Period with
   respect to the Platform taken as a whole, and

8. PricewaterhouseCoopers, LLP, a registered public accounting firm, has issued
   an attestation report on BPPR's assessment of compliance with the applicable
   servicing criteria for the Reporting Period.

March 5, 2008
Banco Popular de Puerto Rico


By: /s/ Pablo Perez

Name: Pablo Perez
Title: Senior Vice-President and Manager of
Mortgage Servicing Division


(page)


Appendix A

<TABLE>
<CAPTION>
                                                                                                         INAPPLICABLE
                                                                       APPLICABLE                        SERVICING
                                SERVICING CRITERIA                     SERVICING CRITERIA                CRITERIA *

                                                                   Performed by Performed
                                                                   Servicer     by Vendor(s)        Not performed by
                                                                                for which           BPPR or by
                                                                                BPPR is the         subservicer(s) or
                                                                                responsible         vendor(s)
Reference                            Criteria                                   party               retained by BPPR
<S>                                     <C>                           <C>          <C>                 <C>              <C>

                General Servicing Considerations

1122(d)(1)(i)   Policies and procedures are instituted                 [X]
                to monitor any performance or other
                triggers and events of default in
                accordance with the transaction
                agreements.

1122(d)(1)(ii)  If any material servicing activities                   [X]
                are outsourced to third parties, policies
                and procedures are instituted to monitor
                the third party's performance and
                compliance with such servicing
                activities.

1122(d)(1)(iii) Any requirements in the transaction                                                     [X]^1
                agreements to maintain a back-up servicer
                for the mortgage loans are maintained.

1122(d)(1)(iv)  A fidelity bond and errors and                         [X]
                omissions policy is in effect on the
                party participating in the servicing
                function throughout the reporting period
                in the amount of coverage required by and
                otherwise in accordance with the terms of
                the transaction agreements.

                Cash Collection and Administration

1122(d)(2)(i)   Payments on mortgage loans are deposited               [X]
                into the appropriate custodial bank
                accounts and related bank clearing
                accounts no more than two business days
                following receipt, or such other number
                of days specified in the transaction
                agreements.

1122(d)(2)(ii)  Disbursements made via wire transfer on                [X]
                behalf of an obligor or to an investor are
                made only by authorized personnel.

1122(d)(2)(iii) Advances of funds or guarantees                        [X]
                regarding collections, cash flows or
                distributions, and any interest or other
                fees charged for such advances, are made,
                reviewed and approved as specified in
                the transaction agreements.

1122(d)(2)(iv)  The related accounts for the                           [X]
                transaction, such as cash reserve
                accounts or accounts established as a
                form of overcollateralization, are
                separately maintained (e.g., with respect
                to commingling of cash) as set forth in
                the transaction agreements.

1122(d)(2)(v)   Each custodial account is maintained at                [X]
                a federally insured depository
                institution as set forth in the
                transaction agreements. For purposes of
                this criterion, "federally insured
                depository institution" with respect to a
                foreign financial institution means a
                foreign financial institution that meets
                the requirements of Rule 13k-1(b)(1)
                of this Securities Exchange Act.

1122(d)(2)(vi)  Unissued checks are safeguarded so as                  [X]
                to prevent unauthorized access.

1122(d)(2)(vii) Reconciliations are prepared on a                      [X]
                monthly basis for all asset-backed
                securities related bank accounts,
                including custodial accounts and related
                bank clearing accounts. These
                reconciliations are (A) mathematically
                accurate; (B) prepared within 30
                calendar days after the bank statement
                cutoff date, or such other number of days
                specified in the transaction agreements;
                (C) reviewed and approved by someone
                other than the person who prepared the
                reconciliation; and (D) contain
                explanations for reconciling items.
                These reconciling items are resolved
                within 90 calendar days of their original
                identification, or such other number of
                days specified in the transaction
                agreements.

<CAPTION>
                                                                                                         INAPPLICABLE
                                                                       APPLICABLE                        SERVICING
                                SERVICING CRITERIA                     SERVICING CRITERIA                CRITERIA *

                                                                   Performed by Performed
                                                                   Servicer     by Vendor(s)        Not performed by
                                                                                for which           BPPR or by
                                                                                BPPR is the         subservicer(s) or
                                                                                responsible         vendor(s)
Reference                            Criteria                                   party               retained by BPPR
<S>                                     <C>                           <C>          <C>                 <C>              <C>

                Investor Remittances and Reporting

1122(d)(3)(i)   Reports to investors, including those                  [X]
                to be filed with the Commission, are
                maintained in accordance with the
                transaction agreements and applicable
                Commission requirements. Specifically,
                such reports (A) are prepared in
                accordance with timeframes and other
                terms set forth in the transaction
                agreements; (B) provide information
                calculated in accordance with the terms
                specified in the transaction agreements;
                (C) are filed with the Commission as
                required by its rules and regulations;
                and (D) agree with the investors' or
                trustee's records as to the total unpaid
                principal balance and number of loans
                serviced by the Servicer.

1122(d)(3)(ii)  Amounts due to investors are allocated                 [X]
                and remitted in accordance with
                timeframes, distribution priority and
                other terms set forth in the transaction
                agreements.

1122(d)(3)(iii) Disbursements made to an investor are                  [X]
                posted within two business days to the
                Servicer's investor records, or such other
                number of days specified in the transaction
                agreements.

1122(d)(3)(iv)  Amounts remitted to investors per the                  [X]
                investor reports agree with cancelled
                checks, or other form of payment, or
                custodial bank statements.

                Pool Asset Administration

1122(d)(4)(i)   Collateral or security on mortgage loans               [X]
                is maintained as required by the
                transaction agreements or related mortgage
                loan documents.

1122(d)(4)(ii)  Mortgage loan and related documents are                [X]
                safeguarded as required by the
                transaction agreements.

1122(d)(4)(iii) Any additions, removals or                             [X]
                substitutions to the asset pool are made,
                reviewed and approved in accordance with
                any conditions or requirements in the
                transaction agreements.

1122(d)(4)(iv)  Payments on mortgage loans, including any              [X]
                payoffs, made in accordance with the related
                mortgage loan documents are posted to the
                Servicer's obligor records maintained no
                more than two business days after
                receipt, or such other number of days
                specified in the transaction agreements,
                and allocated to principal, interest or
                other items (e.g., escrow) in accordance
                with the related mortgage loan documents.

1122(d)(4)(v)   The Servicer's records regarding the                   [X]
                mortgage loans agree with the Servicer's
                records with respect to an obligor's
                unpaid principal balance.

1122(d)(4)(vi)  Changes with respect to the terms or                   [X]
                status of an obligor's mortgage loans (e.g.,
                loan modifications or re-agings) are
                made, reviewed and approved by authorized
                personnel in accordance with the
                transaction agreements and related pool
                asset documents.

1122(d)(4)(vii) Loss mitigation or recovery actions                    [X]          [X]^2
                (e.g., forbearance plans, modifications
                and deeds in lieu of foreclosure,
                foreclosures and repossessions, as
                applicable) are initiated, conducted and
                concluded in accordance with
                the timeframes or other requirements
                established by the transaction
                agreements.

<CAPTION>
                                                                                                         INAPPLICABLE
                                                                       APPLICABLE                        SERVICING
                                SERVICING CRITERIA                     SERVICING CRITERIA                CRITERIA *

                                                                   Performed by Performed
                                                                   Servicer     by Vendor(s)        Not performed by
                                                                                for which           BPPR or by
                                                                                BPPR is the         subservicer(s) or
                                                                                responsible         vendor(s)
Reference                            Criteria                                   party               retained by BPPR
<S>                                     <C>                           <C>          <C>                 <C>              <C>

1122(d)(4)(viii)Records documenting collection efforts                 [X]
                are maintained during the period a mortgage
                loan is delinquent in accordance with
                the transaction agreements. Such records
                are maintained on at least a monthly
                basis, or such other period specified in
                the transaction agreements, and describe
                the entity's activities in monitoring
                delinquent mortgage loans including, for
                example, phone calls, letters and
                payment rescheduling plans in cases where
                delinquency is deemed temporary (e.g.,
                illness or unemployment).

1122(d)(4)(ix)  Adjustments to interest rates or rates                                                  [X]^3
                of return for mortgage loans with variable
                rates are computed based on the related
                mortgage loan documents.

1122(d)(4)(x)   Regarding any funds held in trust for                  [X](A) and (C)                   [X](B)^4
                an obligor (such as escrow accounts): (A)
                such funds are analyzed, in accordance
                with the obligor's mortgage loan documents,
                on at least an annual basis, or such
                other period specified in the transaction
                agreements; (B) interest on such funds is
                paid, or credited, to obligors in
                accordance with applicable mortgage loan
                documents and state laws; and (C) such
                funds are returned to the obligor within
                30 calendar days of full repayment of the
                related mortgage loans, or such other number
                of days specified in the transaction
                agreements.

1122(d)(4)(xi)  Payments made on behalf of an obligor                  [X]
                (such as tax or insurance payments) are
                made on or before the related penalty or
                expiration dates, as indicated on the
                appropriate bills or notices for such
                payments, provided that such support has
                been received by the servicer at least 30
                calendar days prior to these dates, or
                such other number of days specified in
                the transaction agreements.

1122(d)(4)(xii) Any late payment penalties in                          [X]
                connection with any payment to be made on
                behalf of an obligor are paid from the
                Servicer's funds and not charged to the
                obligor, unless the late payment was due
                to the obligor's error or omission.

1122(d)(4)(xiii)Disbursements made on behalf of an                     [X]
                obligor are posted within two business
                days to the obligor's records maintained
                by the Servicer, or such other number of
                days specified in the transaction
                agreements.

1122(d)(4)(xiv) Delinquencies, charge-offs and                         [X]
                uncollectible accounts are recognized and
                recorded in accordance with the
                transaction agreements.

1122(d)(4)(xv)  Any external enhancement or other                                                       [X]^5
                support, identified in Item
                1114(a)(1) through (3) or Item 1115 of
                Regulation AB, is maintained as set
                forth in the transaction agreements.

<FN>

1 Back up servicers are not required by investors in the platform.
2 Certain activities related to loss mitigation or recovery actions and maintenance of
records documenting collection efforts are performed by a vendor. The servicer
also performs certain activities related to loss mitigation or recovery actions
and maintenance of records documenting collection efforts. The vendor's
activities are limited and scripted. Loss mitigation workouts are prepared by
the vendor and reviewed and approved by a BPPR.
3 All residential mortgage loans in the Platform have fixed interest rates.
Consequently, this criterion is inapplicable to the BPPR.
4 The laws of the Commonwealth of Puerto Rico do not require payment of
interest on funds held in escrow accounts to the obligors. Consequently,
criterion (b) of 1122(d)(4)(x) is inapplicable to BPPR.
5 None of transactions included in the Platform requires BPPR to maintain
external enhancement or support identified in Item 1114(a)(1) through (3) or
Item 1115. Consequently, this criterion is inapplicable to BPPR.

</FN>
</TABLE>