Error Experts... what caused this? (Franklin Half)

I am sure some are going to come right out and say PMD, and at first I thought it was.
But I took to one local error expert, and he said get it checked out further.
I showed it to Larry Briggs and after inspecting it for a good 10 minutes and discussing with someone else, they said it definitely happened at the mint, but couldn't explain why.
I overheard "dropped letters", but Briggs said it still didn't explain something about it.
Anyone here have any ideas as to what happened?
Thanks!
But I took to one local error expert, and he said get it checked out further.
I showed it to Larry Briggs and after inspecting it for a good 10 minutes and discussing with someone else, they said it definitely happened at the mint, but couldn't explain why.
I overheard "dropped letters", but Briggs said it still didn't explain something about it.
Anyone here have any ideas as to what happened?
Thanks!

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Comments
R.I.P. Bear
I'm no expert by a long stretch, but it doesn't look like PMD to me. And yet I'll be danged if I could explain it.
PS- funny how y'all's two avatars are practically mirror images of one another.
Prior to this coin, a scrap of metal got onto the reverse die. Could have been a piece laminated off of a struck coin, or a stray piece of metal. It was struck into the reverse die and received a raised "ALF" or perhaps a bit more. After that strike it moved up a bit and was struck under a new planchet. It was pressed into the reverse die and got a second image of "ALF." It then moved up a bit more and was struck under this coin. The two raised images of "ALF" were indented into this coin, which left the dies and entered circulation.
That is a strong possibility, but I would want to see the coin first before saying it was so.
TD
Franklin-Lover's Forum
In the case of this half dollar, the incuse letters were probably caused by a thin, multi-struck metal fragment. As CH says, it could have been a flake off of a planchet. But there are any number of other sources of thin metal wafers.
TD
I believe my use of the term "dropped filling" conforms to the overwhelming consensus on how the term should be defined. But I have seen alternative and more expansive definitions. Non-standard applications of well-established terms is a perpetual problem in the hobby.
<< <i>"Dropped filling" would obviously result from a filling that dropped out of (or popped up from) a die, but "dropped letters" is a different term. >>
As I understand it, "dropped filling" is a general term that encompasses dropped letters, dropped numbers, and dropped anything else.