) I4 o V" y- W2 M 2 [3 D+ k% z; I' JBut 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. # R0 I" f6 N T0 |' `2 k8 s7 a6 P# i1 D: G0 ~