theres a couple of awkward polyflow things laying around, areas I, (admittedly a poly neat freak) would do diffferently.
the stomach being one of them, you dont need that many rows of polys,
then the waist, you could porbabaly nerf at least 2 rows of polys without hurting the model, just looks a little too crowded down ther for there to be virrtually no "crotcha" definitionl
then the shins, sure they get the shape of the leg in there, but down at the tend they just look too checkerboard ish, you could orbabaly get near the same shape with less polys if you fiddled around with it, (though being that youve already uvmapped it, i doubt that will happen)