I can relate. I am 5' 1" and *look* thin. My body fat is around the same as Veronica's, but will go down to about 15-16% at the peak of the season. But, I still have some saggy skin in places. My legs are stocky and athletic looking, but I wish I could lose some fat off of my hips. It's not horrible, but sometimes it's annoying. I started doing some functional core work/weights twice a week. I am hoping that helps. I can't run anymore and sometimes at the beginning or even throughout the riding season I have trouble keeping my weight down. Normally I weigh 107 and it just creeps up a couple of pounds if I have even whole wheat bread or other healthy foods/complex carbs. I cannot ride on a low carb diet, but that is the only thing that helps me lose weight. When I first started riding, I would lose weight after every ride. Now, it seems to be a struggle to maintain. Yea, I know, intervals. I just hate "training." If riding isn't fun for me, I get burned out.