2 `3 K6 _. X1 q/ C: R. e( V; R- 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. ; X) @& B& n, e' k: ~4 s+ W3 A8 J; g; y1 m3 t' Y