Okay, I know nodda thing about this but to me she looks gold AND tan and since there is more tan than gold, I would call her tan. But I actually would go with what Sugar's Mom says because I know nothing about how much color change can happen.
I am just so used to seeing Ellie and she is so obvioulsy gold that a lot of Yorkies look tan to me (even if they are a lighter gold).
And I reallllly don't understand the black, steel blue, silver thing.
I can't tell the difference between black and steel blue because I think some say steel blue is lighter black and maybe some silver but then others say you should see no silver, etc. I don't know.