Bob, What are your intentions with the car? If it will run, I would take a good long hard look at the transaxle and how it shifts. If it misses a beat at all I would lean toward believing it will need some $$.
I don't see any corner or part that isn't going to need work. Based on that the only way I personally would see it worth near 20K would be if the ZF was a fresh overhaul and if you were looking for a car to do a total tear down and restoration.
That's just me.
G
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