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 amount in paragraph (3)(A)(i). (d) Payment rate The payment rate for a covered commodity, in the case of county coverage, or a farm, in the case of individual coverage, 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)