Is vascular belly fat from genetics or cortisol (stress) related fat deposits? I have a 4 pack but I have a belly which indicates vascular fat depo?

also, i m a very muscular all around being a trainer on the side and athletic past all my life. i m an avid reader of health and fitness but id like some answers from someone more educated than i m on the subject.
Is vascular belly fat from genetics or cortisol (stress) related fat deposits? I have a 4 pack but I have a belly which indicates vascular fat depo?
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