Cleaned it out, lots of junk there ... got MSI afterburner, set fan to 100%... 90 degree.
set fan to auto... 90 degree.
Idle at 63 degree.
I have antec 900, all fans are on and set to high.
Maybe this GPU just hot? HD 5770.
Took off the heatsink from GPU, cleaned it, redid the thermal paste and now it's much better.
Idle at 45-50 (was 60+)
Max at 74 (was 90+)
Problem solved. Thanks all.