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What the actual issue is on 90 percent of all calls to technical support/I.T. help desks, it is an acronym meaning "Problem Exists Between Chair And Keyboard." The use of this term became common when tech support people began to have a need to vent frustration on arrogant callers who had, in fact, themselves caused the problem, yet continued to insist it was the computer's fault, or the techie's fault. So you would explain to the user that it was a PEBCAK error, and then walk them through how to fix it.
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