A soft spot that bugs us.

           Here's a fact about flab: It results not only from lack of muscle tone but also from excess body fat. "You could do 1,005 crunches, but if you don't do enough cardio, you'll just have very toned muscles under a blanket of fat," says Johanna Subotovsky, learning manager at Equinox Fitness. You need at least 30 minutes of cardio, three times a week. Then try this spot-specific advice.

With hands on hips, step forward with right foot and lunge (don't let knee go past toes); return to start. Lunge backward; return to start. Lunge right (keeping left leg straight); go back to start. Then with left foot, lunge to left side. Repeat, leading with opposite foot. Do two sets of 15 reps on each side.Get in a raised push-up position, except with forearms on the floor; hold the pose with back flat and belly in for 30 to 90 seconds. For more definition, try the bicycle. Lie on floor, knees bent, hands behind head. Lift shoulder blades and twist right elbow to left knee; then twist left elbow toward right knee. Do two sets of 15 reps.

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