Named Cal user License is like a Administrator
Document Cal License is to access particular document.
Example : User1 and User2, In Application A and B r there in Access point.
now u assign user1 is document cal license for application A. and User2 is assigned for Named Cal License
now user1 is able to c only application A but user2 ll able to c app A and B
In case of Named cals access is based on the identity and valid for all documents on the server .Uesr can open any number of document from one machine concurrently.
But in the case of Document CAL: cal is valid for only one document .If user will open two document then it will consume two document CALs.