I'm having the same problems. I was 202 lbs at 20% BF. Through calorie cutting and increased cardio, I'm down to 172 at 9% BF. I have 4 great abs but can't get the last remaining fat off the lower abs. I've tried everything to stopping the diet for a few days, cutting cardio for a few days, decreasing calories, etc. I hope somebody has a miracle answer for this.