I have an IH 966 that just recently developed a problem of water in the oil. The dealer told me that it basically needed an overhaul and would be in the $6000 range. Since I only paid $10K for the tractor and a WL-40 loader 7 years ago, it seemed like too much. For my purposes I also don"t need a tractor this big. The dealer says they have n IH 656 with a Westendorff TA-30 loader that I can have for my tractor and $3500. For some reason, that seems like a lot to me. The 966 still starts and runs, it has a cab, tires are good, a few leaks here and there, the clutch is relatively new (2-3 years). My question(s) are What do you think is a fair price for the 966 as it sits now and what is a fair price for the IH656? Please feel free to ask any questions you need in order to answer me. Thanks in advance for your help