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But 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. 0 B5 R: i U3 Y, n7 I7 `) f9 s* q5 ~- F2 I5 k* g6 \5 e7 g7 M: ~( w