I bought a non running F20 a few months back and finally got the time to tinker with it. The clutch did not operate at all so I took it apart. I slid the engine forward and removed the clutch cover , etc. (has Heisler overdrive). One thing I did notice looking from the inspection hole on the underneath side the clutch fingers were about a 1/2" to 9/16" away from the throw out bearing even with it all the way forward . There is no "spring" or resistance when you move the clutch lever the adjustment rod connects to. I can see the throw out bearing moves freely back and forth when manually pushing/pulling on the outside clutch cover lever. The throw out bearing never touches the clutch fingers when moved to the forward position. I did take the clutch pressure plate assembly apart and cleaned it thoroughly along with all the other parts, nothing was frozen or rusted together. What might be the reason the fingers don't even come close to contacting the throw out bearing. Everything was taken apart, cleaned and put back exactly like it was before I started. My thoughts are the 3 adjustable plungers/dogs that attach to the back of the fingers and pull the pressure plate in need adjusted out to allow the fingers to extend farther. I don't see how a gap between the clutch finger and throw out bearing this wide could come about without issues before hand. The clutch disk/pressure plate and all parts look very good - the tractor has been taken care of over the years for the most part. Steering is tight, radiator and gas tank are good, no dents, cracks or welds. Some of you guys have years/decades of experience. I appreciate your input. Thanks.