I think it is skin for the most part, but I'm sure there's some fat there too. This is new territory for me, so it's hard to tell. 115 has always been my happy weight where there wasn't much extra flab anywhere and it was easily maintained. The older I get, the more that number doesn't seem to mean much. I assume because of my muscle to fat ratio changing with less weight bearing exercise.
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Posted to Is there a non surgical option for the beginnings of a "turkey neck?" on 25 Jan 2011