Trying to change the clutch assembly but can't get the cover off. There is one bolt I can't seem to get to (bottom silver bolt). The metal frame is in the way. Anyone have any tips or clues for this? Do I need to take the entire engine out to swap the clutch??

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Even if you got it out, looks like you wouldn't be able to pull the case far enough off to clear the clutches etc inside, so my guess would be, engine out.