recently i went from a size 38-40 to a size 32-34 I have huge strech marks on my sides as well as lots of excess skin and flab on my lower stomach area...i work out regularily and my arms are getting toned as well as my chest and upper body....my abdominal region is still flabby...it feels like excess skin and not fat...i was wonder how low before the skin will start to tighten up...i understand it may not get really tight without surgery but i am looking for any help I am 22 and male....