How about post-fair?
Check out this gem from HUD and Sheila Bair:
Here's the highlight:
Sheila Bair, chairman of the Federal Deposit Insurance Company, said: "There will still be some borrowers who lose their homes to foreclosure. Some of that will be inevitable. But this should have a significant reduction in the foreclosure rate, bringing it more in line with historical levels."
Bair, who appeared on ABC's "Good Morning America," said that as a person making regular mortgage payments herself, she understands the resentment of homeowners with safe loans who feel others are being rewarded for risky behavior. She said, however, that the plan would help many, but not all, and that's appropriate at a time of plunging home prices.
"Is it fair to everyone? Perhaps not," she said. "But I think frankly we're beyond that."