+ U; l/ F2 Y6 P: H6 Y ) }( j$ {3 s6 r2 @' wBut 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. 0 P! g) J0 a3 ]. v1 j1 t% H% q4 v7 d7 U) h9 _