This is driving me crazy! I am getting pretty lean (10-11%) and I am really starting to see my abs. I don't have any areas of substantial fat deposits on my whole body, minus my lower back. I have more fat in my rear love handles than I do the whole rest of my body!

I do 40min of cardio 5 days a week, and it still wont go away. Any suggestions? I was thinking of trying swimming for cardio, would that help?