& g% t: z9 X! X& V/ OBut 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. . q* b5 ~5 z6 f1 X: q; ^, L4 n5 t6 w+ l: k