Hello Dramapig, Administrator Deejay, Technician BB and others
I interrupt here because this is turning into a great topic for the "101" of SB45 primary clutch removals.
Dramapig (what a great name!), the captive cotter will not "drop down" because it can't.
It's just like the cotter on a bicycle crank. You tap the pin to "release" it.
Once 'released', you need to tap the engine side of the clutch housing to move it off the crankshaft.
In most cases it will move freely and easily. It is only then that the cotter can be removed.
It is no longer 'captive'.
All very interesting.
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JACK.