To add to the complexity, there is growing evidence that not just total fat but where the fat is located has important consequences. Specifically, people with mostly abdominal fat ("apples") are at greater risk for developing serious conditions such as diabetes and cardiovascular diseases than people whose fat is mainly in the lower body ("pears")--on the buttocks and thighs. There is currently no agreement as to the explanation of this phenomenon, but there are important differences in the physiology of adipose tissue cells in this region.
--Vander's Human Physiology 10th Edition, Ch. 16, p. 640. EP Widmaier, H Raff, KT Strang.