[LunarBerry]

Hmm she kind of has similar coloring to my Kimchi, and she's a black & gold. She got fine sprigs of silver/blue around the edges of her black saddle (and silver/blue top of the head), but I don't expect her to ever go completely blue/silver on her saddle. I used to also have a black and tan girl in the past and she had more of that tan color instead of blonde and still had a black saddle all up until she past away at 12 yrs old.
I have noticed she has some tan around her mouth and sometimes feet, but I come to realize it's most likely staining. I used a facial cleanser that helps remove stains some and noticed that those areas lightened up some.