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WASHINGTON, DC - Sept. 17: Sheila Bair, chairwoman of the Federal Deposit Insurance Corporation, testifies during the House Financial Services hearing on the compliance of the mortgage industry in response to a request to delay foreclosures until the institution of the Hope for Homeowners Program. (photo by Scott J. Ferrell/Congressional Quarterly)

WASHINGTON, DC - Sept. 17: Sheila Bair, chairwoman of the Federal Deposit Insurance Corporation, testifies during the House Financial Services hearing on the compliance of the mortgage industry in response to a request to delay foreclosures until the institution of the Hope for Homeowners Program. (photo by Scott J. Ferrell/Congressional Quarterly)

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