( }) w2 A% v, NBut 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. ' {4 R' \0 y7 q: Z* X2 g- \" T( ]$ [% N0 k# l) c# n) _# \