What is the problem here?
<?php
$template = 'blue.php';
if ( is_set( $_COOKIE['TEMPLATE'] ) )
$template = $_COOKIE['TEMPLATE'];
include ( "/home/users/phpguru/templates/" . $template );
?>-----SPLIT-----
It is a Directory Traversal issue. The user can include files without restrictions. For example: 'Cookie: TEMPLATE=../../../../../../../../../etc/passwd' may return the file content. https://owasp.org/www-community/attacks/Path_Traversal