Saram: Congratulations on your very successful loss of 45 pounds.

From your message you indicate that you are seeing definition in your lower half. It may just be apple shaped bodytype. That is, your body is designed to carry your bodyfat on the upper part, abdomen and chest than your hips, thighs, and calves. This doesn't mean that you will not be able to have the abdomen you wish to see in the mirror. It will just take a little longer.
Unfortunately, there is no way to spot reduce bodyfat in one area of our body. It really comes down to leaning out our overall bodyfat percentage and along the way, the body will decide from which area of fat stores it will release. We have no direct control over this.
While we can't spot reduce I will admit that keeping our diets in check and being properly hydrated can be really effective in reducing the bloat that can also appear in these areas we are trying to minimize.
Continue to work out with dedication and focus.
Maintain your successful food choices.
Step things up a little with interval training if you are not already doing this.
If you have been lifting the same routine:reps/sets/weights and exercises it's time to switch it up. Go a little heavier to build a little more metabolically active muscle. Shorten the time between your sets to benefit from the anaerobic effect of lifting similiar to interval training with cardio.
Interval training has been found to be successful in increasing resting metabolic rate which will also help you in your quest for slimmer waist.
Best of luck.