Don't worry about it. Everyone has a little fat some where. Maybe don't eat and drink at the same time that can stretch your stomache. Wear a girdle if it is that bad to you, at night to bed maybe. Some loose fat around the waste is hard to get rid of from what I have read. Don't give up, and I would not recommend surgery.. there is always side affects or wanting to be more perfect and having surgery addiction. You are probably for the most part very fit, considering all the working out you do; I am sure you are your worst critic. Thanks