Exercise for the lower stomach?

Ok in my family for some reason women always carry weight on their lower stomach - I have no idea what this is called !!!

Now crunches etc are great for my abs at the top but they never really had much of an effect on the lower area.

Does anyone have any good exercises I can do for my lower...

Source: http://weight-loss.fitness.com/weight-loss-through-exercise/47715-exercise-lower-stomach.html

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