Possibly didn't help that you fitted the leather washer on the other side of whatever weird, knurled spacer that is that looks like it was digging nicely into the mudguard there.
Was trying to protect the frame with the leather washer. The split propagated from the edge of the mudguard.
User error.
Cost of being a wolly is a new set of mudguards. It's a fair price.
@dancing james started
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Possibly didn't help that you fitted the leather washer on the other side of whatever weird, knurled spacer that is that looks like it was digging nicely into the mudguard there.