+ ]3 V7 [- u7 Y* ^. B' V% O 8 @5 N3 g* M! L0 X* k) uBut 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. . i4 l. N) f a3 C' h. y3 M3 B4 z% s) [ P! G