Re: SMD failures
SMT capacitors are fine when processed correctly.
If they are stressed in any way (heat, strain) they crack very easily, as already said.
This becomes very important in certain circuits when there's a DC element as that can cause the metal layers to creep through the cracks and short the capacitor. So these failures take a while to show. And can be spectacular if the DC is for example the main DC supply to something.
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