Got em both. But I started tanning, which reduced the appearance of stretch marks. And the lose skin is fairly minimal, but it's not like hanging out for all to see either. It doesn't really rear it's head unless I'm sitting. But since I don't sit nekkid in public...not all that often anyway
...who's to know? I'm very pleased with how I'm shaping up. But I've been doing a few abdominal exercises for about a year now. But I really want to firm it up, so I have started doing more ab exercises, and more intense, daily about a month ago.