I agree with Kate. The cardio gets rid of the fat but doing the sit ups, crunches or whatever are good because they strengthen the muscles. Also means you can suck it in better if you stomach muscles are stronger!
I actually have the same problem Bec and it is a little disheartening because I have lost all this weight yet I still have a big tummy. Ok it's a whole lot smaller than it once was but it's still there and it still pokes out. Have been wondering if I just have to get used to always having it.
If I find out anymore info or tips will let you know.