While running at speed there was a sudden grinding noise and the engine lost rpm and shut down. It would not start again, and the starter was having trouble turning the engine over. I have replaced the starter but the new starter is also having trouble turning the engine over. When the engine does spin fast enough and tries to fire, it sounds like it locks up tight and the starter is locked with it. I have also drained the lower unit and the oil looked fine except I did see one piece of shaving. Any ideas as to whether this is an electrical problem, an engine problem or a gear problem?