ah... muffin top. I'm quite familiar with it, too. I've always had this little bit of fat around my belly button that no amount of exercise will rid of. I even had it when I weighed 100lbs. Now I weigh a bit more and it's gotten a bit more squishy, so I get the ever-flattering spillage when I wear anything with a waistband (which is pretty much everything). The muscles underneath are pretty damn solid, but alas, no flat tummy.