RPN's Eviscerate has been working very well for me. I've been using it for about 3 weeks, and I've had a noticeable decrease in lower ab fat. I've lost .5 inches in that area since starting, (actually measured last week, so it could be more by now). I'm about 9-10% bf right now, so I believe that plays a role. My wife has also been using it and she has also seen improvements in her abdomen and upper leg.
I've been using topicals for a long time, and this one has blown most others away.