WASHINGTON — Federal Reserve Chairman Ben Bernanke painted a dark picture of where the U.S. economy is headed if Congress fails to reach agreement soon to avert a budget crisis. “It would probably knock the recovery back into a recession and cost a lot of jobs, and would greatly delay the recovery that we’re hoping to facilitate,” said Bernanke at the end of two hours of testimony Tuesday before the Senate Banking Committee. But Bernanke said lawmakers must go beyond the year-end issues and come up with on a plan to shrink the budget deficit. Otherwise, the United States could suffer a financial crisis marked by rising interest rates. “We might face ... a financial crisis where interest rates would rise, as we’re seeing now in Europe and that would feed through to other interest rates like mortgages and other kinds of rates. And it would be very costly to our economy,” he said.