how is it that now im doing cardio, my legs are getting toner and there is barely any fat on them, but my chest isnt going down and either is my stomach. ive been eating healthy too. how do i loose the bitch tits and gut?

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age: 20
bench: 225 lbs
squat: 225 lbs
height: 5'11"
weight: 255 lbs
body fat%: No clue