% b2 z. y- w; T- [% ]; mBut 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. 6 ]! I0 r9 x2 b" M$ J* M8 K( A( o: E' ~0 m) p! A8 |% e/ Y