My take:
A program is anything from applications to utilities to games to scripts.
A Utility is a program like Directory Opus, PowerPacker, LZX, etc.
An application is a program like Brilliance, FrexxEd, Protracker, etc.
In other words, utilities are programs that help the user do things, while applications enable the user to be productive, while programs are all of these things and more.
I agree with this. And applications are usually big and probably commercial programs (not games) and utilities are smaller more limited programs for certain narrow sector uses. It's how it's been traditionally, but as we know terms use to change with new generations.. intentionally, by mistake or just because of plain ignorance
