If you hurry past the bathing suit department when you shop for clothing and believe swimming is definitely out for the season -- if not forever -- you may have thigh issues. Saddle bags, those pads of fat that make thighs look disproportionately rounded, and the distinctive dimpling of cellulite can make wearing thigh-hugging clothing and swimwear torture for many women. Cellulite occurs more frequently in women than in men, and is distinctive for its "cottage cheese" appearance that can look like a collection of dimples and depressions. It often occurs on the thighs, but can also be present on the abdomen, stomach, buttocks and arms. Where fat accumulates on the human body, cellulite can follow. It's the result of an uneven distribution of fat just under the skin. Cellulite can be unsightly, but it isn't a serious medical condition. Although wearing heavier-weight fabrics can often disguise the presence of cellulite, liposuction to remove it and other unevenly distributed fat deposits were among the top surgical cosmetic procedures performed in 2010 [source: American Society of Plastic Surgeons].