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setting ourselves up for another financial crisis driven by bonds and interest rates, rather than credit.9:45 a.m.: Bair: There are still a lot of unrealized losses in the housing market -- shadow inventory and underwater mortgages. It's politically unpopular to help people who aren't paying their mortgages, but that's the only way to solve the problem. Seriously delinquent loans only get worse down the road.9:52 a.m.: Clemons: You describe how Summers either refused to take FDIC concerns to the White House or misrepresented them. How did you get your messages across? Bair: We tried to resolve things privately. There were times when things leaked to the press; she says she overall gives the press good marks. She complains that when women disagree they are depicted as "difficult" in a way that men are not.9:50 a.m.: Bair: I criticize Larry Summers and Tim Geithner harshly, but it's about policy, not personality; I don't question anyone's motives. Still,[link widoczny dla zalogowanych], I think we helped big banks too much and homeowners