Years ago, I asked why everyone dated these early postwar bikes as early 1946 models and never even mentioned a 1945 model. All the seasoned experts called them early 1946 models. I'm not aware of anyone that has gone deeper into the history of these early pre-postwar built pieces. The 1940 New Worlds were the first to show up with the new electro-forged "new" drop out rear fork ends, and everyone was dating those 1940-41 models to 1946 postwar models. Then during the war time production more changes occurred with even more electro-forging. This started my research on this subject, and I began to find some of the non-existent 98000+ retail bikes that Schwinn built in 1945. The government restrictions change slightly in the last quarter of 1944 and Schwinn most likely started ramping up their R & D for the postwar production.
And just for sheets and giggles, Richard Schwinn stated in one of his lectures that Schwinn did not build bikes during the war.