EX-34 (c)
(logo)  PAYNE SMITH & JONES, P.C.
        Certified Public Accountants





Report of Independent Registered Public Accounting Firm



The Board of Directors
Colonial Savings, F.A.

We have examined management's assessment, included in the accompanying Servicer
Compliance Statement, that Colonial Savings, F.A. (the "Company") complied with
the servicing criteria set forth in Item 1122(d) of the Securities and Exchange
Commission's Regulation AB for asset-backed securities transactions for which
the Company served as servicer as of December 31, 2006 and for the period from
January 1, to December 31, 2006 (the "Reporting Period") except for servicing
criteria 229.1122 (3)(i)(D) which is perfomed as requested by the investor in
accordance with the transaction agreements. Management is responsible for the
Company's compliance with those servicing criteria specified above. Our
responsibility is to express an opinion on management's assessment about the
Company's compliance based on our examination.

Our examination was conducted in accordance with attestation standards
established by the American Institute of Certified Public Accountants and,
accordingly, included examining, on a test basis, evidence about the Company's
compliance with the servicing criteria specified above and performing such other
procedures as we considered necessary in the circumstances. Our examination
included testing of a sample of the transactions and activities related to the
platform, and determining whether the Company performed those selected
activities in compliance with the servicing criteria specified above.
Furthermore, our procedures were limited to the selected transactions and
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 selected transactions and activities 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
Company's compliance with the servicing criteria specified above.

In our opinion, management's assessment that the Company complied with the
aforementioned servicing criteria as of December 31, 2006 and for the reporting
period January 1, 2006 to December 31, 2006 for the platform is fairly stated,
in all material respects.


/s/ Payne Smith & Jones, P.C.

March 1, 2007


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