It's a tiny "raw" bit. She has three molt-y patches that seem symmetrical on her neck - left, right and center. I've touched them and she doesn't fuss, so they can't be too bothersome.
-Michael

Thanks, Pat, I'll keep an eye on her.
-Michael

Here's a photo. One of three "patches."

Kate (8 year old female) seems healthy and happy in all regards. I've noticed 3 dime-sized patches of hair loss on her neck. One is down to bare skin on her throat and looks slightly crusty on one edge. She isn't bothering these with scratching. I noticed a couple last year during spring shedding of undercoat but this is worse this year. Any ideas?