Well, hmmm. If you carry a lot of your weight around the middle, you could have what they call "syndrome x". Similar to PCOS, it involves insulin resistance and some other stuff. However, if you're 5'0 and you're in the neighborhood of 140 - 150, it's doubtful that is the cause. That just might be your body shape, and I know how that sucks. I lost 135 pounds and unless I get some serious cosmetic surgery to remove my excess skin, I'll ALWAYS have a gut even though it is just skin.