(S (S (SBAR (IN If) (S (BASENP (ADJP (RB too) (JJ many)) (NNS homeowners)) (VP (VBP default) (PP (IN on) (BASENP (PRPD their) (NNS mortgages)))))) (COMMA ,) (S (BASENP (DT the) (JJ sub-prime) (NN lender)) (VP (MD can) (VP (VP (VB end) (PRT (RP up))) (S (VP (VBG defaulting))))))) (PERIOD .))