( D4 H3 Y% [8 V0 q, 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. 4 L4 M& b6 E; E4 W6 M/ Q5 e 1 D6 G0 r% f1 z0 X* H6 e