You're eight or nine percent body fat and still feature a gut?
I think the answer might not be cardio or diet. Instead, the
abdominal wall might be weak. That is, the muscles are not
tightly held together. The result is a distended look -- and a
greater susceptibility to hernia.
Ultimately, you might be a good candidate for abdominoplasty.
The procedure is like a nose-job for the stomach. It involves a
restitching of the muscles discussed above. Think about it.