That scuttling sound you hear is the last of your exercise excuses running out. Exercise vet Kathy Smith has introduced her Timesaver: Cardio Fat Burner video, which presents the terminally busy with a 20-minute option as well as a more well-rounded 40-minute full cardio workout in this complete, varied program. On those days when you can only manage 20 minutes, this will still get you off to a great start. And on days you can go the distance, you'll get a thought-out, well-rounded routine that's easy to follow and broken down into several levels of ability. Through it all, Smith's straightforward, cheerful (but, thankfully, minimally chirpy) delivery is inspiring yet low-key, a winning combination, especially for repeat viewings. --Anne Hurley