SRL for [misstates]: Neither technique is perfect , but both are better than the current system , which [misstates] the costs of new credit programs by amounts that vary substantially and average about $ 20 billion annually , according to the Congressional Budget Office .
ARG-0: the current system | R-ARG-0: which | ARG-1: the costs of new credit programs | ARG-M-MNR: by amounts that vary substantially and average about $ 20 billion annually