<p>^I have plenty and plenty of fat. My BMI is actually “normal” in a morning, but in a eventing it goes up to overweight (3 lbs difference, which is normal for me). If you think that I am not toned, I do exercise 1.5hrrs/2hrs every day including vacations. I do not even need to motivate myself, I really like it, great relaxation. So, I might not be toned enough, but not much more I can do about it. There are plenty of people like me. I have seen some who are exercising more rigorously than me and obviously in great physical condition and still have plenty of fat on thier bodies. I am in pretty good shape myslef, I can easily out-walk much younger people</p>