One who has taken a series of property & casualty insurance courses at the end of which they don't know their ass from their elbow. Means "can't produce, can't underwrite"
Someone who uses a/their computer typically for accessing the internet esp. social media, video chat, typing up documents, and stuff that has to do with work (if the person is a student or a businessman), and just surfing the net in general. In other words, the complete opposite of a HPCU Hardcore Personal Computer User
"I know I'm highly likely to be coming off as lame, but I really don't use my computer for gaming...that shit's boring! What can I say...I'm a CPCU (Casual Personal Computer User).