Cardio is very extremely important but so is diet. To lose weight its easy but to lose only fat and get rid of that last bit you have to diet right. No need to go overboard but the main factors are food choices, high protein and timing of foods. You need the right carbs and fats at the right times and you have to maintain high protein. Anyone use protein powder? Then there are fat burners, ones that are fine but dont do much, and ones that do a lot but you wont be allowed in a natural bodybuilding comp! All legal of course. There are techniques for the last bit of fat too such as carb cycling etc. And of course the most important element of fat burning - weight training. I can elaborate on any of the above points if you want? I've just sort skirted over outlines there's so much to say!