OK, my ignorance could be showing here, but wouldn't a
Cud start out with small die cracks leading from the rim into the field of the coin? When two small cracks from the rim meet a short way into the field, the resulting piece of the die would break off creating a
Cud. I think (and I could very well be wrong) that this is just a die chip. Stress at this point could lead to the conditions creating a
Cud, but I don;t think this is the beginning of a
Cud. Chuck and Bill (and others in the know), where are you?