The primary locus of economic change due to the attack has been found within the airline industry with major ripple effects in travel and tourism, public transportation, and airport / airline infrastructure commerce. Before September 11, the break-even load factor for nine major airlines averaged about 73 percent--slightly above actual load factors. So the airlines lost money. For example, after the terrorist attack, the indirect business interruption to the airline industry resulted in huge financial losses. The airline industry may indeed never be the same. 5 pgs. No sources listed.