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The last word - from "The Horse - colour and pattern" - Copyright © 1994-2001 Encyclopædia Britannica, Inc.

"From the dun of the primitive horse has sprung a variety of colours and patterns, some highly variable and difficult to distinguish. Among the most important colours are black, bay, chestnut (and sorrel), palomino, cream, and white.
The black colour is a true black, although a white face marking (blaze) and white ankles (stockings) may occur. The brown horse is almost black but has lighter areas around the muzzle, eyes, and legs. Bay refers to several shades of brown, from red brown and tan to sandy. Bay horses have a black mane, tail, and (usually) stockings (see photograph
photograph: Morgan stallion with bay coat.). Chestnut is similar to bay but with none of the bay's black overtones (see photograph photograph: Arabian gelding with chestnut coat.). Lighter shades of chestnut are called sorrel. The palomino horse runs from cream to bronze, with a flaxen or silvery mane and tail (see photograph photograph: Paso Fino gelding with palomino coat.). The cream is a diluted sorrel, or very pale yellow, nearly white. White in horses is variable, ranging from aging grays (see below) to albinos with blue eyes and pink skin and to pseudoalbinos with a buff mane or with brown eyes. The chief patterns of the white horse are gray, roan, pinto, and appaloosa. Gray horses are born dark brown or black and develop white hairs as they age, becoming almost all white in advanced years. Roan refers to white mixed with other colours at birth: blue roan is white mixed with black; red roan is mixed white and bay; and strawberry roan is white and chestnut. The pinto is almost any spotted pattern of white and another colour; other names, such as paint, calico, piebald, skewbald, overo, and tobiano, refer to subtle distinctions in type of colour or pattern. Appaloosa is another extremely variable pattern, but the term generally refers to a large white patch over the hips and loin, with scattered irregular dark spots (see photograph photograph: Appaloosa mare with bay colouring.)".