Most animals have similar skin to their fur color. If a horse has dark hair, the skin is black, and if it has white hair, the skin is black. A tiger's skin is striped with its fur pattern. Polar bears break this mold. It has black skin and fur that appears to be white. Actually, a polar bear has two layers of fur that appear white or tannish, but in actuality, it's translucent! I wonder if they ever feel naked?