When doctors say that bmi isn't very accurate this is what they mean.  Add in the 15% fudging factor and you got your self a mildly obese person.  BMI underestimates body fat in people under 5'8 and overestimates body fat in people over 5'10.  The adjusted scale shows 120lbs ideal for 5'5" and 136lbs max healthy weight.  145*1.15=166 lbs out of 120 lbs.  This is how you decode the fat. I guarantee 145 was chosen for being inside 25 bmi XD