I have found gentle exercise such as swimming, and yoga have been more effective than gym high impact for toning. Dancing is also a good way. Postural exercise has also worked in the past. I did 6 weeks in a gym and actually gained inches.

Fat distribution is influenced at least in part by hormones (hence why women have different distributions than men, even at equal body fat levels). Abdominal fat is largely determined by insulin level. The higher your insulin, the more likely you are to store fat in your belly region, so make sure your insulin levels are in check. You can do this by requesting a fasting insulin test from your doctor (note - this is different from the glucose test and is a separate test).

That said, there is no way to "spot reduce," so your body will determine where to use fat from and when, even when everything else is perfect. So, you just have to keep on trucking with the weight loss and trust that your body will use that fat eventually. It sucks to think about it like that, but it is what it is. Keep in mind, too, that you said yourself that you've lost 7 inches around your stomach. That's huge! Do not downplay that success!

Finally, there is a third potential cause of what a lot of people refer to as "pregnant belly." That's the more "bloated" (as opposed to just fat) look that some women with PCOS have, and it makes them look pregnant (some have even have people ask when they were due ). That kind of belly is often caused by a food intolerance. If that's the kind you have, then look into eliminating some of the common offenders -- namely dairy and gluten -- for 4-6 weeks and see if you have any improvement. If you don't notice any, reintroduce them slowly to make sure you don't have any negative effects you missed before (ie - subtle changes that are then noticed upon reintroduction), and try different foods (nightshades, nuts, etc), and/or work with a specialist that can help determine what you're most likely intolerant to in order to guide your selections.