Foreclosures are spreading across the country - disproportionally to poorer and minority communities. Our place in Prospect Heights is on the border - the map below (both are from the Times) shows a foreclosure a block east of us, and many more beyond that and to the north. You can be sure that some of the same people who were targeted by predatory lenders with subprime mortgages they didn't need are now not getting help refinancing mortgages which could yet be salvaged.