A protusion of subcutaneous fat below the umbilicus and above the pubic area, often seen peeking out between ones pants and the bottom of a short shirt. It is an acronym for Fat Upper Pussy Area, although the term can be used to describe members of either gender.
Cindy's friend: "I wouldn't eat that donut Cindy, you should have your finger for dessert instead"
Cindy: "What? Why?"
Cindy's friend: "Look at that fu-pa. It must get cold hanging out of your shirt all day"