Pontiac: Is it What I think it is? :(

I have a 2000 Grand Prix Se and I just notice a oil like substance in my
coolant recovery bottle under the hood.
The car runs perfectly and idles very smooth. Just after changing my oil two
months ago I had to add one quart of oil, after the check oil light came on.
My car has 69K miles

Questions:
1) Do I have a head gasket leak ?
2) Is this an expensive job and How Much will it cost to repair ?
3) How will my engine act when the problem get wose.

Thanks in advance

Some tranny coolers are in the radiator core, so no.

If you are thinking head gasket, you would usually have the opposite effect
of water in the oil and usually carbon in the coolant. And definitely,
coolant loose.

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