Loose skin or fat?

[1234brandon2]

From these photos please tell me if this is loose skin or fat.
http://i48.tinypic.com/avieza.jpg
http://i49.tinypic.com/34ihk02.jpg
http://i46.tinypic.com/5kobqx.jpg
http://i47.tinypic.com/10gmxae.jpg
http://i50.tinypic.com/fyjz9f.jpg
http://i47.tinypic.com/20ztc3o.jpg

 

[allcdnboy1]

more cardio