Outside of the persistent problem of slack capital spending, Chicago rapid transit currently suffers from two major physical problems. The El leaves a large portion of the city underserved or wholly unserved. Also, the El is too "loop-centric", making travel between different non-loop areas slow and time consuming. This is in part a legacy of the system's origins. Privately owned and operated until 1947, rail operators insisted that their charters include service to the central business district to ensure profitability. Neighborhood-to-neighborhood service on its own was not profitable enough for the securities holders who regularly flexed their political power to protect their charters.
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