thank you so much...everyone's comments are a
huge help.
I do think there is a saddle...because I can see
some blue, in the coat on her back. But, I can't tell if the
color placement is right on that pic, & need to see her in person for that...but let me further ask a few things:
If she does indeed have a saddle (even if the gold dominates it)....and the color placement is indeed right, in person...and it's just that she's this light...(due to age, preggers or just always been): Is this light/blonde coloration, within the breed standard?

And are genetic health defects something that can, be more likely to, accompany this type of coloration, if it's not?
And if she does indeed have a saddle/color placement is right (same premise as I preceded the above questions with): Does this mean she's just a light or blonde coat yorkie & not "running gold"? I'm trying to determine, how one can tell the difference. I know a "golden" yorkie, one that "runs gold", does not meet the standards...& as you can tell from my question in the above paragraph, I don't know yet, whether a light/blonde coated yorkie does. So, when a yorkie runs gold, is there no saddle at all?...No blue or black on her, at all? Is that the difference/how you can tell?