Probelm solved!
Just in case anyone ever has a similar problem... I pulled the gage, and found that a small metal tab, which rotates with the speedo mechanism, hits a brass rod which acts as the stop for zero.
Bascially the mechanism rotates (maybe by friction) against a small torsion spring, which is always trying to pull it back to zero. The tab and brass rod stop it at zero, and also prevent the dial from going backward when you drive in reverse.
With mine, somehow the metal tab got past the brass rod so it could move in the reverse direction, but not forward. I just forced it back to the other side, and now everything is back to normal.
Sure beats sending it somewhere to be rebuilt for big $$$.