The 1909 Thomas Flyer catalog, winning the 1908 publicity stunt race New York to Paris must have helped out the 1909 sales a lot too

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notice the rear fender isn't just over the rear tire, it's from the back of the drivers access, all the way to the back of the car. So there are two fenders in front to keep muck off the passesngers, and one over the rear tire also. I don't think I've ever noticed this on any other vehicle