I once heard two ladies going on and on about the pains of childbirth and how men don't seem to know what real pain is. I asked if either of them ever got themselves caught in a zipper.
You can't get rid of it with exercise alone. You can do the most vigorous exercise and only burn up 300 calories in an hour. If you've got fat on your body the exercise firms and tones the muscles. But when you use that tape measure what makes it bigger? It's the fat!