2 y9 q# q/ @ p3 u# f$ P& 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. - P7 `/ X0 M$ j( e * q7 w! X8 D" @4 S# K