Pannis is the flab of skin that hangs BELOW the belly button and above the va-j-j.
Zelda is so fat that she gets horrible rashes on her sweaty hanging pannis which looks like a spare tire.
(noun)a hanging pouch on a woman's abdomen.This occurs above the navel & below the breasts.Usually in the period following childbirth. Do not confuse with the erotic belly bulge
She's had 3 kids, its no wonder that she wears large shirts, hanging out, to hide her pannis