As was previously stated...start saving for a rebuild...the whine
typically comes from one of the common bearings that is starting to
fail...When the mainshaft bearings go, they make noise when in neutral
with the clutch out...Pinion bearings make noise (typically) on
acceleration or light load...when they get more than just a little bad,
they start to wear the ring/pinion 'cause of the extra play...Don't let
it go that far..If you have to wait for "funding"...at least change the
gear oil to get some of the crap out of the system...$995 exchange is the
current price for a rebuild with a 3 yr warranty...Good Luck & holler
with any questions.

Daryl of AA Transaxle
Duvall, WA.(Seattle area)
(425) 788-4070
1-877-377-0773 toll free
http://www.aatransaxle.com (web site)