; and (2) the higher of— (A) the marketing year average price; or (B) the national average loan rate for a marketing assistance loan for the covered commodity in effect for such crop year under subtitle B. (c) Agriculture Risk Coverage Guarantee (1) In general The agriculture risk coverage guarantee for a crop year for a covered commodity shall equal 86 percent of the benchmark revenue. (2) Benchmark revenue The benchmark revenue shall be equal to the product obtained by multiplying— (A) subject to paragraph (3), the average historical county yield as determined by the Secretary for the most recent 5 crop years, excluding each of the crop years with the highest and lowest yields; and (B) subject to paragraph (4), the marketing year average price for the most recent 5 crop years, excluding each of the crop years with the highest and lowest prices. (3) Yield conditions If the yield per planted acre for the covered commodity or historical county yield per planted acre for the covered commodity for any of the 5 most recent crop years, as determined by the Secretary, is less than 70 percent of the transitional yield, as determined by the Secretary, the amounts used for any of those years in paragraph (2)(A) shall be 70 percent of the transitional yield. (4) Reference price If the marketing year average price for any of the 5 most recent crop years is lower than the reference price for the covered commodity, the Secretary shall use the reference price for any of those years for the amounts in paragraph (2)(B). (d) Payment Rate The payment rate for a covered commodity in a county shall be equal to the lesser of— (1) the amount that— (A) the agriculture risk coverage guarantee for the crop year applicable under subsection (c); exceeds (B) the actual crop revenue for the crop year applicable under subsection (b)