Another 90 mins on the bike today.
My understanding is that for fat burning 65-70% of max HR is best and for cardio health 80% for 20 min sessions four times a week is good. It used to be that 220 minus your age was considered your max, although I think there might be newer guidelines.
That puts my fat loss range around 111 and cardio at 137. What I find comfortable for me on the bike is an RMP of 70 at level 8. It keeps me between 124-127 so that is what I usually do.