7 L& m, m' w1 y1 I* g [7 uBut 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. : i7 M2 s0 A1 `9 D ( }( K( b5 M0 M