Thanks for the advice so far! It sounds like you are all agreeing that it is an exercise issue....which makes sense. I have started lifting heavier for my arms and upper body, but I thought that heavier weights for core muscles would add bulk to my stomach instead of toning it.
I'll take a look at that website and see what they think about that.
I haven't tried pilates but that might be the answer. Maybe instead of the cardio class I will try a yoga/pilates/stretching class and see if that helps out any.