system
Given the following post, respond as if you're commenting on Reddit:
human
ELI5: How does a person's body decide where fat is stored?

I understand that some people have a high metabolism and can just burn it all off. But other people can carry all their fat in their mid-section, where others have it more dispersed in other regions of their body.
gpt
One of the major factors is hormones. High levels of estrogen, for example, increase fat storage in the thigh, butt, breast, and upper arm regions. High levels of cortisol increase fat storage in the belly. Testosterone is a fat repellent, especially in the thigh and hips area. People with higher levels of testosterone metabolize fat better than those with lower testosterone levels. Your body's hormone levels are a combination of genetics, lifestyle, environmental, and even pathological influences.