Exhibit 34.3

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             Report of Independent Registered Public Accounting Firm

To the Board of Directors:

We have examined management's assertion, included in the accompanying Report on
Assessment of Compliance with Securities and Exchange Commission's Regulation AB
Servicing Criteria, that ZC Sterling Insurance Agency, Inc. ('the Company' or
'ZCSIA') complied with certain servicing criteria set forth in Item 1122 (d) of
the Securities and Exchange Commission's Regulation AB for the ZC Sterling
Integrated Product Solution (ZIPS) Hazard Insurance Outsourcing Platform (the
Platform) as of and for the year ended December 31, 2007. The Company has
determined that only certain servicing criteria Item 1122 (d) (1) (iv), Item
1122 (d) (2) (vi), Item 1122 (d) (4) (xi), Item 1122 (d) (4) (xii), and Item
1122 (d) (4) (xiii) are applicable to the activities performed by them with
respect to the Platform covered by this report. The Company has determined that
the remaining servicing criteria set forth in Item 1122 (d) of the Securities
and Exchange Commission's Regulation AB are not applicable to the activities
performed by them with respect to the Platform covered by this report. See
Appendix A of management's assertion for the Platform and Servicers covered by
this report. Management is responsible for the Company's compliance with those
servicing criteria. Our responsibility is to express an opinion on management's
assertion about the Company's compliance with the servicing criteria 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 (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 less than all of the servicing activities related to the
Platform, and determining whether the Company performed those selected
activities in compliance with the servicing criteria. Furthermore, our
procedures were limited to the servicing activities performed by the Company
during the period covered by this report. Our procedures were not designed to
determine whether errors may have occurred either 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 for the Platform. 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.

In our opinion, management's assertion that the Company complied with the
aforementioned servicing criteria as of and for the year ended December 31, 2007
for the Platform is fairly stated, in all material respects.

                                                           /s/ Ernst & Young LLP

February 14, 2008

                  A member firm of Ernst & Young Global Limited