EX-34.2
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Report of Independent Registered Public Accounting Firm



We have examined management's assertion, included in the accompanying Report
on Assessment of Compliance with SEC Regulation AB Servicing Criteria that
Chevy Chase Bank, F.S.B. (the Bank) complied with the servicing criteria set
forth in Item 1122(d) of the Securities and Exchange Commission's Regulation AB
for the residential mortgage loans platform, except for the instances of
material noncompliance described therein, as of and for the year ended
December 31, 2007 and except for 1122 (d)(1)(iii), 1122 (d)(3)(i)(c),
1122(d)(3)(i)(d), and 1122 (d)(4)(xv), which the Bank has determined are not
applicable to the activities performed by them with respect to the servicing
platform covered by this report. Our responsibility is to express an opinion on
management's assertion about the Bank'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 Bank'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 individual asset backed transactions
and securities that comprise the platform, testing of less than all of the
servicing activities related to the Platform, and determining whether the Bank
processed those selected transactions and performed those selected activities
in compliance with the servicing criteria. Furthermore, our procedures were
limited to the selected transactions and servicing activities performed by the
Bank 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 Bank during the period covered by this report for the selected
transactions or any other transactions. 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 servicing criteria.

Our examination disclosed the following material noncompliance with servicing
criteria 1122 (d)(2)(vii) (b) and (d) applicable to the Bank during the year
ended December 31, 2007. Reconciliations were prepared on a monthly basis for
all asset-backed securities related bank accounts, including custodial accounts
and related bank clearing accounts, however in certain instances, these
reconciliations were not prepared within 30 calendar days after the bank
statement cutoff date, or such other number of days specified in the
transaction agreements. Further, the reconciliations did not contain
explanations for all reconciling items and the reconciling items were not
resolved within 90 calendar days of their original identification, or such
other number of days specified in the transaction agreements.

The information in the accompanying Report on Assessment of Compliance with SEC
Regulation AB Servicing Criteria in Item 2 of Appendix B (i.e. remediation
procedures) is presented by the Bank for informational purposes. Such
information has not been subjected to the procedures applied in our
examination of management's assertion as described above, and accordingly, we
express no opinion.


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



/s/ Ernst & Young LLP

February 22, 2008

A Member Practice of Ernst & Young Global