Calorie in vs. calorie out is a simplistic way of looking at it. It is certainly true for a first-order approach, though. There is much more to it, such as timing, consumption of fiber with sugar, metabolism, etc. etc. However, the most important factor which should be taken on first for the largest immediate changes is calorie in/out.
I'm curious how much fat you have now? In my experience: With effort I was able to get to about 90% of my goals, but the last 10% is extremely stubborn and I haven't been able to get past it. From what I understand, it would require extreme tactics, such as 10 hours of sleep nightly, eliminating all stress and amino acid accounting to eliminate.
I might suggest reducing the cardio greatly and replacing it with briefer, higher-intensity cardio, btw. The body seems to adjust intake demands very well in response to cardio. Also, what supplements do you use? Finally, I'm a little concerned when you say the fat you have is not normal - you may be straying into the unrealistic psychological zone, but obviously I can't tell much from here. I just don't want you to be obsessing over a physique that is already quite acceptable. Congrats again, your discipline should be inspiring to lots of people... hope you comment doesn't stay gray long.