Article: The Experiment; When Sheila Bair took the helm at the FDIC, the biggest issue she faced was whether Wal-Mart should be granted a bank charter.(Federal Deposit Insurance Corp)

Byline: John Engen

The Experiment; When Sheila Bair took the helm at the FDIC, the biggest issue she faced was whether Wal-Mart should be granted a bank charter. Now she's contending with an industry in crisis and a rapidly depleting deposit insurance fund. Making seismic decisions daily, she is using her pulpit to push sometimes controversial ideas - on loan modifications, on cleaning up toxic assets - aimed at pulling the industry and the economy out of a tailspin. In the process she is redefining the agency.

The long lines snaking down the streets outside of IndyMac Bancorp's California branches last summer were the stuff of every FDIC chairman's ...

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