How do I get rid of this fat?

So-Innocent
I have this little area of fat below my belly button. It's not a lot but when I stand sideways you can see it. The rest of my stomach is flat...I might even say slightly toned.

Even when I was in the best shape ever (which was when I running track), it was there. Are girls just supposed to have fat there or is there something I can do to get rid of it?
How do I get rid of this fat?
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