cyclops2,

I believe the fuse does too little for lift to be considered.

I don't consider it when I calculate wing loading, but as a convention, most of the designers consider the area of the wing covered by the fuse.

Wing loading is just a number to give an idea of how much weight the plane is able to lift per unit of wing area; nothing exact, specially considering that different parts of the wing create lift forces of different magnitude.

Check this thread out:

http://www.rcuniverse.com/forum/m_95...tm.htm#9530648