I probably have a lot of nerve commenting here since I just confessed to having regained 20 of the 60 lbs I worked my ass off to get rid of over the winter months too much partying, alcohol and munchies.
But I can attest to the fact that there are certain places where fat is stored that is tough to get rid of. I recently had my love handles lipo-suctioned away because there is no way that any amount of exercise and diet will get rid of that fat. Bodies store fat from excess sugars and carbohydrate consumption, carbs turn into sugar and then are stored as fat, so cut out all the bread, pasta, potatoes, white rice sugar and processed foods with high fructose on the label, eat a lean diet, cut fats out of meat, pull the skin off of chicken before cooking, keep your caloric intake down to 1000 - 1300 per day and eat about five times a day in small portions.
Your internal stomach dimension is no larger then your fist, no need to stretch it. Exercise daily and do some crunches to tighten the stomach muscles, within a few years you'll be looking great! It took time to put on and it will take time to get rid of it. Meanwhile redistribution of body fat is a joke, you'll get some subcutaneous girly fat on HRT, but there is no major redistribution. Been on HRT for 20 years I should know.
Meanwhile I am going to get on the stick and take some of my own advice because I need to and know that it works.