Women by nature have a fat pad on their lower abdomen .... it's how we are made.
This may be an outrageous thing to say on a diet website, but it's biologically true.
I'm not talking about big ol' bellys - but for a lot of us, losing weight will make it shrink but will not eliminate it. And toning the underlying muscles can give you better support which will lessen the appearance
I'd just like to see a time when it got to be below my bellybutton. There WAS a time decades ago, when it was below, I was a tiny thin little thing and I still thought I needed to lose. Wish I knew then what I know now.
I guess I think if you are only losing because of your belly, well it may never be gone.
Some people think of a woman's belly as a thing of beauty, as a source of life.
Also, you could do what I did and take up belly dancing

Its great for your core muscles and abs, and it gives you quite a different perspective on that female fat pad.
You are beautiful, belly and all.
Nona
P.S. Here's one of the most amazing bellies in the world!
http://www.youtube.com/watch?v=_pA5CTHQPys