Hi, please don't feel alone in this area. My sister is having almost the same problem. She too is lactose intolerant, she too is young (30) and she also has to avoid breads. She's always been very petite with a big butt. LOL. For almost a year now, after eating she bloats up and looks like she is 3-4 months pregnant also. She has been to her doctor repeatedly and they have done numerous tests, all with normal results. We don't know what this is either, but hopefully someone out there can put a name, cause and cure up for us both. It would be nice to put my sisters mind at ease. Keep the hope and keep on biking! Smile, tomorrows another day!
We want to add one thing here that you do cannot lose fat only at one area.
With cardio or any form of exercise you lose fat proportionally.
Only for that last toning part ab exercises would be helpful.
You can also try aerobics, floor exercises, swimming, continue your tempo.
Do not worry and avoid fried food, desserts, extra sugars, fast foods etc. Have a balanced diet. Do not smoke or consume alcohol. Gradually over a period of time you will lose. Take care!