spread the driven clutch by hand (hard to do... you have to rotate it and push the inner sheve toward the t-20). use a small block of wood to hold it open. this will allow the belt to fall all the way into the driven clutch and you can easily pull the belt over the top of the engine clutch. leave the wood block in place and reverse procedure to put the new belt on. opening the driven is easier if you have a helper to hold the clutch from spinning and to drop in the wood block once you get it open, but it can be done alone
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