Well I too have seen all the articles saying you cannot spot reduce. However, I chose not to believe them as I think you CAN... so not to argue but you can make your own choice and I will just share my story.
I have been really busting it to tone up my stomach and doing water aerobics all summer, with a lot of focus on stomach, abdomen, upper chest, etc. I am thrilled with the results. While I still have far too much stomach, the upper part of the "sagging stomach" has tightened dramatically and I can feel muscle where piles of fat used to be. Also, even when I was 40 pounds lighter before I could not wear zip up pants because of my huge stomach... NOW I can actually wear them.
I have dropped 4 bra band sizes (8 inches) which is a LOT for my 60 pound weight loss... because of tightening the chest and back muscles. Before the "new" style of bra straps would not go over my shoulders as they were too short... now I can not only wear them but have to tighten them up (not fully extended).
My doctor was amazed when she saw how much I have accomplished. Yes, I saw all the articles... and posts here... saying it could not be done; to me that is kind of like saying "sic 'em" to a dog.
Soooooo.... for those who wish to believe it can't be done, fine... I have no intention of trying to convince anyone... but for those like Nadine who asked this question... I would encourage you to go for it! And I highly recommend water aerobics. It is working for me!!