stubborn belly fat….how can i get rid of it!?

I have been working out for 2 months now. I’ve noticed great results with my legs, upper body and upper abs. My lower abs are another story. No matter what I do, I cannot get the layer of fat off my lower abs. My upper abs are nice and I am beginning to actually see the muscle definition but then about halfway down, theres some stubborn fat that keeps my stomach from being flat. I do 2.5 miles on the eliptical or tredmill 5 days a week, followed by upper body weight training and lots of different abs exercises which include, about 80 bicycle crunches, 30 lower leg lifts and the “ab roller” for about 5-7 minutes. What else can I do? The whole rest of my body is looking great, it’s just my lower abs. Any suggestions? Thank you!
Let me restate the fact that I am doing cardio and stregth/toning exercises! Read the question!
I do 2.5 miles of running on the eliptical or treadmill every day M-F, which usually takes me 20 minutes. Right after my cardio, I do my strength training, which usually takes about 40 minutes and this is 4 times a week.