I have a 2004 Four Winns 195 Funship with a Volvo Penta 5.0 engine with about 395 hours on it. Our boat has started knocking very noticeably whenever it’s in neutral. When you bring it up to speed the noise is gone. Prop is in good condition. I’m not a mechanic but have some average mechanical skills. Sounds to me like knocking is coming from stern drive location not the engine. Any thoughts as to where I should start? Also, it is a definite knocking sound, not a high pitched whining sound if that helps. Thanks.