when im in my bulking phase i make sure to gains a nice healthy layer of fat (obveously not over doing it....
when i go back to my cutting phase i lose my weight and fat pretty well and at a pretty decent speed except at my lower abs... seems like it the complete last place to lose fat.... i could be almost completely cut anywhere else but my lower abs will have a good layer of fat on it... i can get rid of it but it takes a long time and its sort of unpredictable?

ive heard everything from it being normal to it being mostly water weight....
it just strikes me a little odd
i was wondering what do you guys think it would most likely be....
just stuborn fat?

ill be going to the doc soon... ill ask him as well