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If you're a woman, you've most certainly heard of a phrase called "saddle bags" which is a euphamism (if you can call it a euphamism) for those stubborn pockets of fat that tend to accumulate on women around the outsides of there thighs, creating, well, a look of saddle bags. You probably think, like me, that you're stuck with them. There's good news though, there are exercises that help minimize their appearance.