It's definitely the abdominals.
If someone has clearly defined abdominals it is very likely that they are lean all over. No one is going to quibble or say anything negative about someone who is lean and muscular.
The extra inche here or there on the quads or arms that WE all worry about really becomes meaningless.
the Yoke.
When I started working out 30 years ago my Dad laughed and said the only bulge women really care about is your wallet. He wasn't a dumb guy.