I think she's precious! She might be a cotton coat. My Sugar has a very thick coat and while it's true that it's not breed standard, I think thick coats are adorable! Don't let anyone worry you about her coat.
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"If you have men who will exclude any of God’s creatures from the shelter of compassion and pity, you will have men who will deal likewise with their fellow men." — St. Francis of Assisi, 1181-1226