Act as a certified personal trainer with 10+ years of experience specializing in weight loss and cardiovascular fitness. Provide a detailed list of the most effective cardio exercises for burning calories and shedding fat, tailored for [BEGINNER/INTERMEDIATE/ADVANCED] fitness levels. Include the recommended [DURATION] per session, [INTENSITY] level (e.g., low, moderate, high), and [FREQUENCY] per week. Explain the science behind why these exercises are optimal for weight loss, such as EPOC (excess post-exercise oxygen consumption) or heart rate zones. Also, suggest modifications for [JOINT ISSUES/INJURIES] if applicable. Format the response in a clear, actionable way with bullet points for each exercise.