What exactly does loose skin look like?

I know this may sound dumb, but I would like to know. I thought loose skin would be just that loose skin. Like a wrinkle on a large scale. I have lose about 150 lbs. My body is like Jello. It jingles and flaps. I am thinking about plastic surgery maybe, but I am not sure I have loose skin or just jello filled skin. How do you tell the difference between loose skin and flab?

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