That picture and your description do not match. Where exactly is the body fat? Besides in her breasts I mean? That is as flat as flat can get, and there's no fat the be seen.
God, it's no wonder so many women have issuses. 99% of the population of women don't look like that!
When you guys all have the body of Brad Pitt (who personally isn't my cup of tea, but a lot of women tend to like him) then come to me about "ideal stomach."