Chuck, cardio is the key to dropping fat. You start to burn fat at around 30 minutes in. An hour is the minimum to get anything really out of it. Yes, you will burn calories, but the heart rate has to stay up and keep at it. When I trained women, I would incorporate weight lifting and cardio with doing a set of weights, then a set of stair steps in between. The client never came down on the heart rate. Cardio sucks and is not fun in a gym so find other ways to do it. Snow shoveling? ;D