I have a Cub Cadet LT1050 that's 3 years old and the steering just went out on it. The two gears that mesh are no longer 'meshing'. Cant tell if there's a bearing out or what, aparently without taking the entire mower apart? What's the best way to fix this mess? Does the whole seat cowling and instrument panel have to be removed?

-same problem, relatively easy fix. As you look at the 2 meshing gears, you will see the center gear (at the end of the steering shaft) has a nut on it. Remove that nut using an 11/16" socket wrench and pull the gear straight down (don't loose the washer). Now raise the steering column straight up from the top. From underneath, use your finger to pop the worn "bearing" (it's really a bushing) up from it's holder. You will need to fish it out from the upper side. Replace this "bearing"--Cub Cadet # 941-0656A [replaces 741-0656A]
Bearing, Hex Flange, 5/8. Reassemble in reverse order. Hope this helps.