Just able to talk while exercising. Don't get discouraged that you may not be able to meet the minimum requirements in the first few weeks. It takes time and progressively more exercise to get into shape. The more you do it, the easier it gets. For the most part, fat storage sites are genetically and sexually determined.
Men essentially have one fat depot, the abdominal area.
Women store fat primarily in the hips and thighs. Abdominal fat storage is tailor made for easy-access energy. This is why men typically lose fat more easily than women. On the other hand, hip and thigh fat depots serve as an energy reservoir to be tapped. If you haven't exercised in a long time, have any medical or back problems, or are over age 35, you may need a physician evaluation before beginning an exercise program.