# n3 l; o+ w8 x" b3 c9 n+ ABut 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. 2 R. a7 q: D5 E9 r, e; B/ w, L9 @5 i. A