Standard Select : the main cursor that is used
Help Select: when you mouse over a help button, the help select comes up instead of the main cursor
Working in background: a program, or the pc is working in the background so its busy and cannot respond yet.
Busy: very similar to working in background, but a different animation is always nice and helps.
Precision Select: Precision tool for working
Text Select: text cursor mostly used for forums, explorer windows ect. where you would like to start to type something.
Handwriting: when you are in a pentool area, the handwriting cursor will appear.
Unavailable: when you mouse over something that is not available, the unavailable cursor will appear
North Vertical Resize: when you resize a window up or down, this cursor will appear and is for resizing windows.
South Resize (not needed and not skinned)
West Vertical Resize: when you resize a window left to right, this cursor will appear and is for resizing windows.
East Resize: (not needed and not skinned)
NorthWest Resize: when you resize a window by its diagonal angle this cursor appears
NorthEast Resize: as above.
SouthEast Resize (not needed and not skinned)
SouthWest Resize (not needed and not skinned)
Move: when you double click on an item after resizing it in an art program this cursor will appear.
Alternate select: when you mouse over lists.
Hand: appears when you mouse over certain items and names the hand tool uses
Button: cursor appears when you mouse over and or click a button.
Hope that helps. that is my deffinition of the cursor states. If I am wrong, I dont mind being corrected.