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Whether it is an 18', 20', 22', 25', etc., some type of bracket is needed if you want a "Full" transom.

Whaler basically had 2 types.
1. Sea Drive
2. Whaler Drive

A Sea Drive is basically the same thing as using a setback bracket or jack plate. The motor sits off the transom allowing a closed or full transom.

Finnegan ordered his 25' as a "Blank" sea drive and added his own bracket which was Armstrong or something similar I believe.
http://smg.photobucket.com/user/lgolt...amp;page=1
I don't remember why he just didn't purchase the Whaler Drive model but he had his own ideas.

I believe this is what gchuba is basically trying to accomplish.
A closed transom of some sort. Whether removable or permanent.