Hi GrumpyT2, I was always under the belief that visceral fat was the hardest to shift, but I’ve been re-educated in this. Apparently the visceral fat, whist the most dangerous, is also the most transient and is always the first to come and go if we over eat/diet.
As Ziggy pointed out, it’s the subcutaneous fat around the middle that is the dreaded spare tyre, and the hardest to shift. Walking is a great fat shifter, so I’d keep that up. Make sure you don’t get caught in the myth that cardio (running, cycling etc) is a good fat shifter. It’s not. That’s not to say it’s not good for you. It’s great for your heart and cardiovascular system.
The most effective exercise to torch fat is a combination of HIIT, weights and sub 60% max heart rate “cardio” (walking being a perfect example).
That said, as the saying goes, abs are built in the gym and uncovered in the kitchen. And a rule of thumb is fat is shifted 75% by diet and 25% by exercise. So regardless of how much exercise you do, diet is the main key to getting rid of it! Keep up the good work, sounds like you’re well on your way.