A fault (crack) is formed in the headland due to hydraulic action and abrasion.
These faults further deepen from both sides forming a cave.
The cave erodes further from both sides and eventually erodes through, forming an arch.
The base of an arch is eroded away due to undercutting making the roof collapse; leaving a stack.
Waves erode the base of a stack making it collapse which finally leaves a stump
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