Federal Deposit Insurance Corporation (FDIC) Chairman Sheila Bair talked about how to make responsible home ownership work in the future. She argkued for a systematic and streamlined approach to loan modifications that would help reduce loan defaults and foreclosure. Then representatives of the Center for Community Capital at The University of North Carolina presented research on methods for making responsible home ownership work, even among lower-income families by linking borrowers with safe and appropriate mortgage products. The presenters were joined in a panel discussion, and the panelists responded to questions from members of the audience.