The panniculus is an area (sometimes called an 'apron') of fat that extends from below the abdomen to the outer lips of the vagina.  It is paler than a woman's usual flesh.   Some doctors refer to this area as FUPA (fat under the pelvic area).  That doesn't make it sound more delightful, does it?  Doctors dismiss any possible concern that women have about the appearance of the panniculus.  It is considered a "benign" issue of aging.  If a woman wants to do something about it--"cool sculpting" is considered.  

Surgery of any sort should never be a first or second or third recommendation.  Although fatty and benign, this area is rich in nerve endings which are a source of pleasure.  "Cool sculpting" may nick some of those nerves and reduce sensations of pleasure.

What I propose are "exercises" to reduce the appearance.  These exercises are the same exercises one gets in physical therapy for any injury---planking, bridging, leg lifts, bicycle thrusts, etc.  These exercises may have an additional benefit--strengthening the pelvic muscles which, when flabby, lead to stress-induced urinary leakage (another thing that doctors' say is just another thing that happens when you get older).  

I say "bollocks" to accepting both panniculus and stress-induced leakage.  If it bothers you--try something.  Try this.

 I would like measurements of the panniculus to be taken before, midway, and at the end of the program.  The panniculus could be measured with fat calipers or with a tape measure (or both).  Stress leakage would have to be a self-scored questionnaire, so hopefully, participants would be motivated to be honest.  It is possible that as the reduction of the fat occurs (or the firming up) nerve endings would be activated or strengthened and libido increased.  More libido please--who would refuse?