HillRider - That was it. Never did that test before. Pulled the bearings and the bottom one has two areas were it sticks. Feeling is almost like there is a grove on the inside of the sealed bearings. I appreciate the help!
FBinNY - As soon as I swap them will test ride and see if that did it or something else. Nothing has changed on the bike in a few months, so I will have to dig a bit more.
CT