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I might just be overly paranoid, but does the line in the image (to the left of the glare) look like a paint scratch or could it be a sign of a spreading crack?
I am not an expert. It looks like a scratch to me because of the curves and the way it doesn't end at a sharp point. However, it's impossible to really tell from a photograph so you should take it in to a bike shop and get them to have a look at it.
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