Everything before the comma in Ghost's reply is pretty much true.
However, the part after the comma - isn't necessarily true at all.
People often have "problem areas."
A lot of women have a problem area in their lower belly. No matter how much they exercise and work out, the lower belly stubbornly maintains it's shape and size.
Your answer, Plasma, is to work out like mad, eat mostly fruit and produce, avoid a lot of grains, and eat lean meat (if you're a meat eater..)
And to work out like crazy. I personally recommend an interval style workout to a standard 40 minutes of cardio type workout. You can clear a problem area, but you gotta work hard to do it.
I give some basic instrux for an interval workout on my website - this is Liam Bauer's (Taku) Interval workout:
http://www.stlouistrainingcircle.com...e.training.htm
Best of luck.