I think fat is stored Last-In, First-out. For instance, I don't get a fat face until I'm really fat. Then it is also the first place I lose it. Same with feet, fingers, etc.

My hips are the last place I lose.

There is a poster on here who has lost a lot of weight, her name is Jo and her handle might be Jojo (others here will probably know) and in one of her posts she said she was eating thousands of calories while losing her weight...and most of it was fat.

It takes fat to burn fat.

Good luck!