Agree to what Patrick wrote. Cardio in the morning on an empty stomach is the best and effecient way to loose fat. If you are worried about your muscle. Just train longer on your mass phase and build more muscles. Thats the reason why I am goning to use this programm in 14 weeks. :-)

Another hint: Since most tooth paste contains saccharide, which is a carbohydrate, you should avoid them. So the best is you brush your teeth after your cardio and your post meal. ;-)

Both the time is good, either morning or after workout. the idea is to do cardio when your glycogen levels (blood sugar) are low so that you use your fat stores. Glycogen levels are low in the morning after fasting thru the night or after a stenous workout even if you had a preworkout shake. Usually after workout your energy levels are too low to accomodate proper cardio in your regim. You can suppliment BCAA like patric said to reduce any muscle breakdowns. But the muscle loss is not that significant and you will get striated.. ;) all the best.