this may be a dumb question and Im AWARE that cardio is the BEST thing to cut body fat PERIOD. BUT as I see the fat come off my body and arms and shoulders cut up my STUBBORN ASSSSSSS Genetic gift of LOVE HANDLES on the lower back side remain and its DRIVING ME NUTS. Do you think ab workouts and what not actually cut fat off the mid section? or is it all hype and cardio is my only option? If there ARE excersizes to rid these damn areas what are they?