Thanks everyone for your input and advice. I feel a bit of relief--from the concern that despite all my effort, I still wasn't able to get that ratio down to the ideal range.
I've never had a formal reading on my BF% but my scales say I am between 19.8 (which is the same as this month's BMI) and 22.1 (from the last two months readings). I don't know how accurate the scales are -- I bought the scales new when I started losing weight -- but that is what I am using as a gauge.
My waist is 31.5 and my hips are 34.75. (32/35 rounded).
I am not interested in losing anymore weight, just to get in better physical condition and maybe even carve a few more inches off my waist. Do you think I can shift the inches UP to my bust??? Yes, I am joking, but wouldn't that be nice?
I will try the planks (thank you) as well as continue my regular, moderate routine of walking or hiking, weight lifting and other feats of muscle building/body sculpting effort.
Thanks again for your time and advice. Pam