New small ISL trackplan - need feedback

[lajry]

Doesn't look like you have any room for a run around track so you'll always have to put your loco behind the cars & shove them out of staging.
Two Questions:
1. What do you mean by a "loading area"?
2. Is the purpose of the 2nd track down for "fiddling" cars around? Squeeze one more track in there & you could make a runaround track.