, [: c( y5 O3 h: X; @, s " x1 j+ d X! N/ z3 rBut Sheila C. Bair, chairwoman of the Federal Deposit Insurance Corporation, warned that the country could expect a tidal wave of up to five million foreclosures over the next two years if the government took no additional action. 2 a" {% d$ m7 d+ F4 D9 g , O: G ^0 L9 {5 Q0 h