9 [& k# V9 k+ y. b0 E2 G * _4 }2 B4 M+ `, s( 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. $ T1 E4 Y0 @& H4 R' z/ b5 b