I am one of those guys that holds a small amount of fat on my lower abs and love handles. Even at 4-5% bf you still cant see my lower abs. I just dieted down for a photo shoot and my lower abs were still covered by a thin layer of fat. I am leaning toward thinking i have a high cortisol level (Had blood work done this fall and i was very high in estrogen and on the lower level of test. So now i am looking for the very best cortisol blocker i might try adding to my arsenal. Any experienced users with good results? Also dont care if it is Ug, HG or otc. thanks KS