Here is a link to a webpage with photos of our 2004 Bay colt -- he has turned out Dark Bay -- and is actually a GREY -- he will eventually be totally WHITE.
Someone on the forum had speculated that the reason he had such dark points was that he was really a grey... don't know if that is a true indicator.. but that has turned out to be the color that he is now.
so.. he is (as a yearling) now almost black looking bay (like shortcake below)... but has white hairs everywhere as he is changing colors like his mother!