The inside adjustment is under a square dark grey cover on teh bottom of teh cubby under the arm rest. There are two small indents where you can pry it up with a small screw driver blade. I believe that teh adjuster is a 40 Torx bit, and you need the brake handle fully released (down to horizontal) to get access to the adjuster.

Big question: Does anyone have a good trick to adjust the star wheels? I try to do it with a flat blade screw driver, but find it very frustrating. There used to be a special brake shoe adjustment tool back in the old days of drum brakes, but I don't know if they are still used, or if one would fit through the stud hole in the rear disk.
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Mike Sullivan ('91 745 (184k), '95 855T (70k), '98 V70XC (83k). Past Volvo's: '85 744 (256k), '86 245 (165k), '86 245 (195k), '88 745 (208k), '93 965 (147k) .