' t* R; i* Y, ^! }5 w; r ) c8 Z2 ?% J# B: D6 \; DBut 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. $ d+ J; `; D+ L* r/ Z5 r3 l6 r+ X$ L