Hi Marty, the road wheel actually holds the disc onto the drive hub, the clip refered to in the manual will be (if fitted) on one of the wheel studs, remove the caliper with the caliper carrier, then if the disc will not come off give it a "tap" with a non metalic item (plastic mallet or block of wood and a hammer) the discs often corrode onto the drive hub, clean the mating surface of the hub and apply some copper grease to stop it corroding, then refit new disc and caliper assembly
nigel, February 2010