3 P# B- x. _; U% C+ [But 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. / r+ a I# X+ b/ V# ]) `2 G( Y5 C# c. y8 d) S2 m; O