EX-34 (c)
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Report of Independent Registered Public Accounting Firm

Board of Directors
National City Mortgage Co.

We have examined management's assertion, included in the accompanying,
Management's Assertion on Compliance with Regulation AB Servicing Criteria, that
National City Mortgage Company ("NCM"), complied with the servicing criteria set
forth in Item 1122 (d) of the Securities and Exchange Commission's Regulation AB
for the residential mortgage loan servicing platform, except for the instance of
material noncompliance described therein, as of and for the year ended December
31, 2006, and except for Item 1122(d)(1)(iii), 1122(d)(2)(i), 1122(d)(3)(i)(C),
1122(d)(4)(ii), 1122(d)(4)(iv) and 1122(d)(4)(xv), which NCM has determined are
not applicable to the activities performed by them with respect to the servicing
platform covered by this report. See Appendix A of management's assertion for
the asset backed transactions covered by this platform. Management is
responsible for NCM's compliance with the applicable servicing criteria. Our
responsibility is to express an opinion on management's assertion about NCM'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 NCM'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 NCM
processed those selected transactions and performed those selected activities in
compliance with the servicing criteria and as permitted by the Interpretation
17.06 of the SEC Division of Corporation Finance Manual of Publicly Available
Telephone Interpretations ("Interpretation 17.06"). Furthermore, our procedures
were limited to the selected transactions and servicing activities performed by
NCM 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 NCM 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
NCM's compliance with the servicing criteria.

As described in management's assertion, for servicing criteria 1122(d)(4)(xi)
and 1122(d)(4)(xii), NCM has engaged various vendors to perform the activities
required by these servicing criteria. NCM has determined that these vendors are
not considered a "servicer" as defined in Item 1101(j) of Regulation AB, and NCM
has elected to take responsibility for assessing compliance with the applicable
servicing criteria applicable to each vendor as permitted by Interpretation
17.06. As permitted by Interpretation 17.06, NCM has asserted that it has
policies and procedures in place designed to provide reasonable assurance that
the vendors' activities comply in all material respects with servicing criteria
applicable to each vendor. NCM is solely responsible for determining that it
meets the SEC requirements to apply

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Interpretation 17.06 for the vendors and related criteria as described in its
assertion, and we performed no procedures with respect to NCM's eligibility to
apply Interpretation 17.06.

Our examination disclosed the following material noncompliance with servicing
criteria 1122(d)(3)(i)(A) applicable to NCM's platform covered by this report
during the year ended December 31, 2006. We noted instances in which NCM failed
to provide the master servicer with the delinquency data as set forth in the
transaction agreements.

In our opinion, except for the material noncompliance described in the above
paragraph, NCM complied, in all material respects, with the aforementioned
servicing criteria including servicing criteria 1122(d)(4)(xi) and
1122(d)(4)(xii) for which compliance is determined based on Interpretation 17.06
as described above, as of and for the year ended December 31, 2006 for the
residential mortgage loan servicing platform.

/s/ Ernst & Young

March 13, 2007



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