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Cardio burns muscle before fat and lowers testorone levels.

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i don't think so. you won't see see muscle-mass decline unless you aren't eating enough. i'm not sure what you mean by "burn muscle", muscle isn't a calorie storage device like body fat is.

if you pre-fuel with a number of calories equal to the number you burn while running (for example) your muscle mass doesn't drop. what gave you that idea? i suspect some muscle-mag or store twisted some research to make it seem like cardio was a bad thing.