that's how I can fail my BMI but have excellent blood
cholesterol levels at the same time. but I really do have a lot of
bodyfat to get rid of. 
I once knew this guy who didn't look fat at all.... think of me,
then add a little chunk and some muscles, and you get the
idea....
However, he once did a bioelectric impedance analysis of his
entire body from top to toe.... his body fat was an amazing.....
32%.
Turns out that much of his body fat was
internal instead of subcutaneous.
My weighing scale has a bioelectric impedance meter, but it's
quite inaccurate.... the current goes up one leg, through the abs,
and down the other.
Unfortunately there is no perfectly accurate way of measuring
body fat.