The Federal Housing Administration used to be a little-known government agency before the housing meltdown. But when Fannie Mae and Freddie Mac collapsed, the FHA started backing more and more loans to homeowners. Now, a growing number of borrowers are defaulting on loans backed by the FHA — and some are wondering if the FHA itself might soon need a bailout.

We find out how the agency is trying to weather the storm created by increased lending. We also get a first-hand look at how the housing crisis is affecting Cleveland, Ohio.

• CONGRESS TAKEOUT: Washington correspondent Todd Zwillich joins us with details of yesterday’s Senate Armed Forces Hearing which sent shockwaves through Capitol Hill after top ranking military members expressed their desire to see the repeal of the ‘Don’t Ask Don’t Tell’ law.
• SPORTS TAKEOUT: Ibrahim Abdul Matin counts down to the Super Bowl and talks about players and coaches that you might not know much about, like Indianapolis Colts defensive coordinator Larry Coyer.
• LISTENERS TAKEOUT: Listeners tell us how they help their friends who are unemployed and give us their picks for what television shows need to call it quits.

The National Transportation Safety Board released its report on what it believed was the cause for Continental Flight 3407's crash in Buffalo nearly one year ago. After a year long investigation, the NTSB concluded the crash was caused by pilot error, and "complacency and confusion that resulted in catastrophe."

Iran said today it successfully fired a new rocket designed to carry satellites into orbit, raising new concerns that the technology could be used to deliver warheads. This comes just as President Ahmadinejad says he's willing to go ahead with a deal on Iran's nuclear program.

Tired of serving your Super Bowl guests potato chips and lite beer? We speak to two Miami-based celebrity chefs to rescue you and your party with some regionally inspired food. Jonathan Wright, who specializes in New Orleans food and serves as executive chef of The Setai, gives us the taste of the Saints. And Michael Schwartz, who specializes in gourmet rustic food and heads Michael's Genuine Food and Drink, shares two of his Miami-inspired recipes. And of course, we also mull over our favorite Indiana foods for Colts fans out there.

Yesterday, top military brass announced their desire to see "Don’t Ask Don’t Tell" laws investigated, and ultimately repealed. But not everybody who wears the uniform agrees. Over 1000 former military officials signed a document expressing their wariness of any type of reform to the culture of the armed forces. We talk to Ret. Col. David F. Bedey a 30-year Army veteran, who says that the U.S. military has a lot more to lose than it has to gain by repealing current legal restrictions.

• FINANCE TAKEOUT: For the first time since the Great Depression homeowners are thinking about walking away from their homes, despite having the money to keep up with their mortgage payments. New York Times finance reporter Louise Story tells us why.
• SCOUTS TAKEOUT:  As the Boy Scouts of America turns 100 years old, its reintroducing itself to America. Part of the centennial plan is to recruit more Hispanics into the world of scouting. Marcos Nava, Hispanic Initiatives Team Leader with the scouting organization, explains the details and the motivation behind the plan. 
• LISTENERS TAKEOUT: After we learned how the 1993 film, "Groundhog Day," has been used by religious communities, listeners tell us how the film has inspired them.

In the last three weeks, millions of dollars have poured into Haiti. But at home, it's taken nearly 16 months for Galveston, Tex. to receive federal aid since Hurricane Ike swept through the city. The hurricane destroyed whole neighborhoods and forced thousands from their homes.

This morning the International Criminal court in the Hague is deciding whether to charge the current Sudanese president, Omar Hassan al-Bashir, with genocide. The ICC had already issued an arrest warrant for al-Bashir in March 2009 for war crimes in Darfur, so what would these more serious charges mean?

Transportation Secretary Ray LaHood says that Toyota's troubles may be "the most serious safety issue that we have faced" at his department. Lahood says the carmaker only initiated last week's recall after government pressure. This comes along with news of new brake problems with the Toyota's popular Prius.

Pulitzer Prize-winning columnist Leonard Pitts of The Miami Herald looks at ideological divides in the U.S., responses to the earthquake in Haiti, and the way the nation talks about race.

Miami has been in the national news as the American staging ground for many of the relief efforts in Haiti. We talk to Miami's Mayor Tomas Regalado about his many Haitian constituents.

The debate over "Don’t Ask, Don’t Tell" continues with announcements by some top military officials that they'd like to see the policy repealed. However, not everyone in Washington agrees and some have argued that that getting rid of the policy might damage military culture. We hear from listeners who react to the news.