The phrase "to cream off" means to take advantage of a situation or opportunity for personal gain, often at the expense of others. It is derived from the idea that one can skim the top layer (the cream) off a product while leaving behind the less desirable parts, thus obtaining only what they want without any effort or cost. This phrase is commonly used in reference to corrupt practices such as embezzlement, fraud, and other forms of dishonest behavior that involve taking more than one's fair share at the expense of others.