; g5 H& n+ f; {/ y5 n) XBut 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) B( k) Y0 ]+ ~" {1 {$ u0 a8 Y5 h! Q* }2 ~7 V$ q3 c