At 99,975 miles my '99 4 cyl 5 speed Camry CE had tranny problems. The local shop determined the pressure plate on the clutch had failed and replaced the entire clutch to the tune of $800.
Anyone else seen this? The fingers were visibly spread on one portion. The clutch itself had plenty of wear left. I seem to remember the '99 did not have a 100,000 powertrain warranty.