My girl friend is not fat by any means. she has the normal girl chub which she has finally decided to get in the gym for real this time and get rid of. What she has is the lower belly fat (love handles) and some fat around her arm pit(i suspect from her big boobs). she wants me to build her a workout plan for when she starts. the only problem is i dont know what girls do to get "toned" verse what us guys to to get "ripped". she is going to kick start her weight loss with some supplements and thermos. any help is big help. she wants to for the most part tone up her belly and arm/chest area.