Automatic transmissions use a series of friction clutches to engage each gear, either plate type clutches or bands. From what your describing, I suspect that you're looking at a complete rebuild of the transmission.
BTW, been there done that, however it wasn't with a Ford Focus. If your real lucky, it's a simple valve body issue. However, in my entire life I've never been that lucky, only heard about it happening.
In your case, I would suggest a trip to a Ford Dealer. Having a tranny fail at only 92K is uncommon, especially in a low power 4 banger. There may be a warranty still in place or it's possible there is a "hidden" recall in effect. If so, it'll be fixed on Ford's dime and not yours. Just remember, it's the squeaky hinge that gets to oil, so make sure to squeak. In addition, if the dealer gives to a flat out NO at first request, insist on having the Factory Rep pay a vist to the dealer and talk to him personally.
BTW, all the automakers I've delt with have Factory Zone Reps visiting all the dealers on a regular basis. They insure compliance with dealers meeting standards for service and also address warranty claims that the dealer cannot sign off on. This means they can sign off on warranty claims that the dealer can't. With the mileage on your focus, you'll probably have to arainge to meet with the Zone Rep. While it's a bit of a pain, it's well worth the expense of repairing your tranny to take a few hours off from work.