EXHIBIT 34.13

   Attestation Report of Independent Registered Public Accounting Firm for ZC
   Sterling Insurance Agency, Inc., as Vendor for SunTrust Mortgage, Inc., as
                                    Servicer


                                                        Ernest & Young LLP
                                                        Atlanta, Georgia



             Report of Independent Registered Public Accounting Firm

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)
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
(Platform) as of and for the year ended December 31, 2006. The Company has
determined that only certain servicing criteria 1122 (d) 1(iv), 1122 (d) 2 (vi),
1122 (d) 4(xi), 1122 (d) 4 (xii), and 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 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 standards of the Public Company
Accounting Oversight Board (placecountry-regionUnited 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 date December 31,
2006 for the ZIPS Platform is fairly stated, in all material respects.


/s/ PricewaterhouseCoopers LLC
-----------------------------

February 20, 2007