The 2013 Legislature will face a buffet of complex tasks — from getting serious about PERS reform to implementing Gov. John Kitzhaber’s education and health care overhauls — that will take time to complete. But those worthwhile endeavors should not overshadow legislation that needs to be addressed immediately to help Oregonians who are struggling. Fixing the mortgage mediation program created on the last day of the 2012 session should be near the top of that list. Banks have largely shunned the mediation program launched in July, in part because they believe the authorizing bill is unclear and exposes them to …