Keel damage - rusted scrap metal added for weight in encapsulated concrete ballast.

The builder has added bits of scrap iron, steel, and probably anything else he could get his hands on to add weight to the poured concrete ballast (concrete is not very heavy, particularly as compared to lead). Once water seeps into the ballast (from the bilge or possibly via hull damage) the metal scraps begin to rust and expand, causing the FRP of the hull to crack and rupture.  The voids in the concrete indicate where metal scraps were located.

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