Unfortunately, some people are genetically predisposed to carry extra fat/flab in the belly and only some serious strict eating and disciplined workouts will get rid of it (and sometimes, not even then!).

Me? I have very little belly fat. Whoopdie do. I've got a lot of visible fat on my legs though and would kill to have a the long, lean legs that some of my 'belly-hating' friends have! Genetics can be a b1tch!