Tummy Tuck Needed? -- Day 68

So tonight I was giving Izzy her daily belly scratch. On her chest, there is a lot more loose skin there now. She always had loose skin there, but it is noticeably more. Well, I noticed a lump. Would I have noticed this before? There would have been no way. Is it a concern? I am sure. We will have to have the vet check it out. It feels much like one of those fatty deposits that my parents' dog has. She shows no pain when I touch, pinch or, squeeze it. I will have my parents check it out when we go home.