Terminal 20 is grounded. If terminal 20 has 97.5V on it, it's not grounded, and one of your black wires is loose (there are only two black wires between this terminal and terminal 12).
I will replace both with new wire, test and get back. Thank you kind sir. Lots to do today, out the door "in the rain". Will post as soon as I can. Probably this evening EST.
(there are only two black wires between this terminal and terminal 12). I know that sounds easy but what two black wires. I have sucked, chem-wik, and soldered and still no joy. I am sorry to have ask.
But you can't. If you have ~90V DC across a piece of wire, the wire will heat up until it melts and falls apart. One of these wires has to be broken or loose.