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https://confluence.cornell.edu/download/attachments/112041761/Maximum%20Bending%20Stress.png

 
Maximum Combined Stress is combination of direct stress and maximum bending stress. Since we have pure bending problem, the maximum combined stress will be the maximum bending stress.  
We expect a pure bending stress in the central region between the two applied forces. The stress is tensile on the bottom surface and compressive on the top surface as expected. Elementary beam theory predicts the bending stress as σ_xx =My/I. Here

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