I have discovered that I can get a shorting failure in 25VDC ceramic output caps when I am driving a 5v output from a 48 VDC input source...
It appears that disconnecting and connecting the 48VDC can generate voltage pulses on the output caps greater than 25V...
If I replace the Schottky Catch Diode with a TVS I can get rid of the problem but the question is why does it occur?