"If we crash the ship into the rocks, we can at least have lines of credit to get it afloat again," Taylor said.
Charchian said the industry has about 150 companies, including 15 publishers printing 25 magazines. Most are not printing this year, including those run by larger companies, including ESPN, he said.
CBSSports.com, an online arm of the CBS television network, has begun offering fans partial or full refunds depending on how many games are played this season.
One possible result of the lockout is that the NFL could play a shortened season. That would throw off fantasy leagues, which usually schedule playoffs that coincide with the final games of the NFL's regular season.
The offer from CBS Sports promises players a prorated refund of league fees if games go unplayed, with a full refund if more than half the season is lost. A spokesman for CBS Sports declined comment.
Charchian said nearly all fantasy sports companies have been adjusting to try to keep players from hesitating to organize leagues.
"Companies don't necessarily want to say, 'Were not taking any money right now,'" Charchian said. "They'd rather take the money and then offer a refund."
Chris Fargis, a 31-year-old options trader from New York who plays in about four fantasy leagues each year, said he's not worried about the NFL lockout in terms of picking up fantasy winnings, but he'd hate to miss out on the games that bring him together with friends.
"Football season, and a big part of that being fantasy football, is a really fun thing that we all enjoy," Fargis said. "The social element of it is so big for me."
Taylor said Fantasy Index plans to release versions of its information through the company's website, and he thinks most armchair players will come back to the magazine next year.
"I don't care who wins or who loses" the lockout, he said. "As long as they get it resolved by next year — and hopefully by this year. Everybody wants football."
Oskar Garcia can be reached at http://twitter.com/oskargarcia
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