However, the
pharma industry remains reluctant to invest heavily in a compound until Phase
III, as its risk of not making it to market dramatically decreases," he said.50% subordination provided by the 2.
The 'AAA' rating on the group II senior certificates reflects the
3.
Sub-group I-2 consists of 1,440 mortgage loans with an aggregate
principal balance of $254,473,802.16% of the mortgage
loans possess FICO scores greater than or equal to 718 and less than
660, respectively.41%.1% of
the sub-group I-2 loans were purchased from National City Mortgage
Company.

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com.10% privately offered class II-B-2 and the 0 .77%), Texas (7.
Except as described in the preceding sentence, no unaffiliated seller
sold more than approximately 8.
For additional information on Fitch's rating criteria regarding
predatory lending legislation, please see the press release issued May
1, 2003 entitled "Fitch Revises Rating Criteria in Wake of Predatory
Lending Legislation", available on the Fitch Ratings web site at
www . For federal income tax purposes, an election
will be made to treat the trust fund as three real estate mortgage
investment conduits (REMICs).

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88% and 2.76%).
All of the group II mortgage loans were purchased by the depositor
through its affiliate , Residential Funding, from unaffiliated sellers
except in the case of 41. Furthermore, none of the mortgage loans
are loans that, under applicable state or local law in effect at the
time of origination of the loan are referred to as (1) 'high-cost' or
'covered' loans or (2) any other similar designation if the law
imposes greater restrictions or additional legal liability for
residential mortgage loans with high interest rates, points and/or
fees.

dic siteuri

The three
states that represent the largest portion of the loans in the pool are
California (36.14% and 3. The three
states that represent the largest portion of the loans in the pool are
California (19.6% of the mortgage loans are being
subserviced by HomeComings Financial Network, Inc.
All of the sub-group I-2 mortgage loans were purchased by the
depositor through its affiliate, Residential Funding, from
unaffiliated sellers except in the case of 39. Approximately 16. Alt-A program loans are
often marked by one or more of the following attributes: a
non-owner-occupied property; the absence of income verification; or a
loan-to-value ratio or debt service/income ratio that is higher than
other guidelines permit.

Deutsche Bank Trust Company Americas will serve as trustee.

educa nu

15% class II-M-1, the 0. Sub-group I-1 consists of 451 mortgage loans
with an aggregate principal balance of $117,125,952. The mortgage pool
has a weighted average original loan-to-value ratio (OLTV) of 73. The weighted-average FICO score of the loans
in the pool is 718 and approximately 45.71% of the pool, equity refinance
loans account for 36.
Loans originated under a reduced loan documentation program account
for approximately 73.36% of the pool, equity refinance loans account
for 52.
All of the sub-group I-1 mortgage loans were purchased by the
depositor through its affiliate, Residential Funding, from
unaffiliated sellers except in the case of 13. No unaffiliated seller sold more than
approximately 9. In analyzing the collateral pool, Fitch
adjusted its frequency of foreclosure and loss assumptions to account
for the presence of these attributes.

sau dic

Cutting
Edge Information interviewed market research executives at top companies, such
as AstraZeneca, Pfizer, Eli Lilly, Wyeth and Sanofi-Aventis prior to compiling
its findings. The average loan
balance of the loans in the pool is approximately $259,703.94% and 5.03%). Approximately 72., a wholly-owned subsidiary of
the master servicer.

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For more information on this report or
to learn about other Cutting Edge Information research, contact Elio
Evangelista at elio_evangelista@cuttingedgeinfo.

In addition, the privately offered subordinate certificates listed
below are rated by Fitch as follows:

-- $1,858,000 class I-B-1 'BB';

-- $156 ,000 class II-B-1 'BB';

-- $1,114,800 class I-B-2 'B';

-- $104,000 class II-B-2 'B';

The $1,672,286 class I-B-3 and $156,040 class II-B-3 are not rated
by Fitch.84%.80%, and second homes account for 0.66% of the mortgage loans possess FICO
scores greater than or equal to 720 and less than 660, respectively.P.

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PharmaMarketResearch.

Business Editors

NEW YORK----Fitch rates Residential
Accredit Loans, Inc.20%
class II-M-2, the 0.21% of the mortgage loans possess FICO
scores greater than or equal to 720 and less than 660, respectively.
Loans originated under a reduced loan documentation program account
for approximately 55.19%, and second homes account for 2.4% of the mortgage loans, which were
purchased by the depositor through its affiliate, Residential Funding,
from HomeComings Financial Network, Inc.

nici accesului

85% class I-M-1, 0. The
mortgage pool has a weighted average OLTV of 68.
(rated 'RPS1' by Fitch) as primary servicer.fitchratings.

sau nu

50% class I -M-3, 0. In
addition, the ratings reflect the quality of the mortgage collateral,
strength of the legal and financial structures, and Residential
Funding Corp.

biblioteci accesului

This research starts years before a drug hits the market in order build
long-term strategies for products entering ultra-competitive markets. Loan group II consists of
mortgage loans with terms to maturity of generally not more than 15
years and will be supported by the II-M-1, II-M-2, II-M-3, II-B-1,
II-B-2 and II-B-3 certificates .02%) and Washington (5.01%), Texas (15.

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Top-spending organizations, however, dedicate
more than $26 million per product to market research initiatives.
The study found that average spending on market research more than tripled
between Phase II and Launch, even though companies admitted to completing more
studies and assessments of market drivers during or prior to Phase II.
The mortgage pool consists of two groups of mortgage loans
referred to as the group I and the group II loans.07% of the pool, equity refinance loans account
for 37. The three states that represent the largest portion of the
loans in the pool are California (16.66%).3% of the mortgage
loans, which were purchased by the depositor through its affiliate,
Residential Funding, from HomeComings Financial Network, Inc.

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Loan group I
consists of mortgage loans with terms to maturity of generally not
more than 30 years and will be supported by the I-M-1, I-M-2, I-M-3,
I-B-1, I-B-2 and I-B-3 certificates .23%.23%) and Florida (6.
Approximately 83.

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65%, and second homes account for 2. The
weighted-average FICO score of the loans in the pool is 725 and
approximately 53., a
wholly-owned subsidiary of the master servicer.
None of the mortgage loans were subject to the Home Ownership and
Equity Protection Act of 1994.

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The
group I mortgage pool is collateralized by two loan groups (sub-group
I-1 and sub-group I-2).35%) and Texas
(7. and National City Mortgage Company, respectively.5% of the mortgage
loans to Residential Funding.4% of the group II
loans, which were purchased from the depositor from HomeComings
Financial Network, Inc.1% of the mortgage loans are being subserviced by
HomeComings Financial Network, Inc.

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"A company that can position its products up to five years prior to launch
is well ahead of the curve," said Elio Evangelista, senior analyst at Cutting
Edge Information.86%.

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, The industry
average for market research budgets in support of a developing drug hovers
near $5. The report includes more than 250 metrics, including budget and
staffing data to help market research functions build strong, successful
teams.PharmaMarketResearch.com or at 919-433-0214.
The weighted-average FICO score of the loans in the pool is 731 and
approximately 56. The
average loan balance of the loans in the pool is approximately
$176,718.1% of the mortgage loans to Residential
Funding., a
wholly-owned subsidiary of the master servicer.8% of the mortgage loans to Residential Funding .

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RALI's $473.8MM Mtge Asset-Backed P-T Ctfs 2005-QS3 Rated by Fitch

's (RALI) mortgage pass-through certificates,
Series 2005-QS3, as follows:

$451,971,702 classes I-A1-1 through I-A1-3, I-A2-1 through
I-A2-6, II-A-1, I-A-P, I-A-V, II-A-P, II-A-V, R-I, R-II, and
R-III certificates (senior certificates) 'AAA';

$10,590,600 class I-M-1 'AA';

$2 ,235,600 class II-M-1 'AA';

$3,344,400 class I-M-2 'A';

$208,000 class II-M-2 'A';

$1,858,000 class I-M-3 'BBB';

$312,000 class II-M-3 'BBB'.
The 'AAA' rating on the group I senior certificates reflects the
5.90% class
I-M-2, 0.'s (RFC) master servicing capabilities (rated 'RMS1' by
Fitch).16%), Florida (11.
The group II mortgage pool consists of 695 mortgage loans with an
aggregate principal balance of approximately $103,981,675.2% of the mortgage
loans , which were purchased by the depositor through its affiliate,
Residential Funding, from HomeComings Financial Network, Inc. Approximately 19.9%
and 16. All of the Group II loans were purchased by the
depositor through its affiliate, Residential Funding, from
unaffiliated sellers, except in the case of 41.

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In
Phase II, most product teams require market research that focuses on
quantifying the drug's market potential with sales targets.
"Pharmaceutical Market Research: Decision Support for Brand Growth"
showcases the following key metrics:
* Market research budgets for pipeline and mature products
* Staffing support for developing and mature products
* Phase-by-phase market research spending and headcounts
* Detailed activity timelines and breakdowns per development phase

To download a free summary of this 146-page report, please visit
http://www.05% subordination provided by the 2.47%. Loans originated under a reduced loan documentation
program account for approximately 61.9% of the mortgage
loans are being subserviced by HomeComings Financial Network, Inc.

referin siteuri

Drug Development Demands Early Market Research in Phase I

15% privately offered
class II-B-1, the 0.

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45 million , according to a new study by pharmaceutical intelligence
firm Cutting Edge Information.9 million .30%
privately offered class I-B-2 and 0.15%
privately offered class II-B-3.

siteuri sau

C. "Companies realize that most of the market research work
conducted up to Phase II will position the product for success .
"Pharmaceutical Market Research: Decision Support for Brand Growth,"
available at http:/ /www. Except as described in the preceding sentence, no
unaffiliated seller sold more than approximately 9.com
The mortgage loans were originated under GMAC-RFC's Expanded
Criteria Mortgage Program (Alt-A program).

variate siteuri

50% privately offered class I-B-1, 0.31%.6% of the sub-group I-1 loans were purchased from Provident
Funding Assoc, L.

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30% class II-M-3, the 0. Fitch believes the above credit
enhancement will be adequate to support mortgagor defaults as well as
bankruptcy, fraud and special hazard losses in limited amounts. The mortgage pool has a weighted
average OLTV of 77. Approximately 58.

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RESEARCH TRIANGLE PARK, N. As
products approach launch, their market research expenditures steadily increase
and peak at an average $1.com , highlights the strategic
importance market research teams play in individual brand success.45% privately offered class I-B-3.
As of the cut-off date (March 1, 2005 ), the mortgage pool consists
of 2,586 conventional, fully amortizing, fixed-rate mortgage loans
secured by first liens on one- to four- family residential properties
with an aggregate principal balance of approximately $475,581,428. The average loan
balance of the loans in the pool is approximately $149,614. (rated 'RPS1' by
Fitch) as primary servicer. RALI,
a special purpose corporation, deposited the loans in the trust, which
issued the certificates.