Exactly. Also lets not forget that an "extra layer of fat" doesn't mean large broiling blubbery mass stuffed into every crevice her body has. Female athletes >also< have this "extra layer"... the presence of fat tissue doesn't make one fat necessarily. Stuffing said fat cells full of donuts, soda, butter, and grease and then taking a nap instead of water, lean protein, and lots of veggies followed by regular and consistent movement / excercise... this is the key difference between having fat and being fat.