Rivergrl, I am probably speaking way out of turn, and have not idea what I am talking about, but I have never figured bicycling to be an exercise for upper body firming. You do more with your legs and it's more aerobic exercise than it is for firming and strength.
Okay, girls, am I totally off base here? I figured once I got a little more into shape that I would have to do some weights and situps or crunches for core and muscle toning. Am I wrong?

I also find that when I exercise I seem to be more hungry? Is that normal? If so how do you fight that, when you are trying to lose?

I know so many questions. LOL

I do so much appreciate everyone's help and encouragement though. You girls are all the greatest thing in the world for me, with your help, encouragement, and inspiration!