Which description best characterizes visceral fat?

Fat stored only in the bone marrow that increases bone density and reduces cardiovascular risk

Fat stored around internal organs beneath the abdominal muscle layer; associated with central (apple) body shape and higher chronic disease risk

Fat stored immediately under the skin over the limbs and hips that is metabolically inert and unrelated to chronic disease risk

Fat stored in the subcutaneous tissue of the face and neck that exclusively predicts diabetes regardless of abdominal distribution