I have some loose skin, but then again I have been over 220lbs and back down to 160 three times in the last 12 years.

I had more loose/saggy skin when I was 165lbs after losing 45lbs on Atkins before, than I do now at 135, having lost the last 40lbs with ZC.

I am almost 45 and do not exercise... but I am definitely not ready for a bikini, but I DO have prior weight losses to compare myself to now. I have not been this thin in over 25 years...

It could be genetics, but seeing how I look naked now, compared to before, tells me that it has to be somewhat related to diet as well.