While my old ref sheet served its purpose, there were some things in it that didn't come across as well as I'd thought when I started actually using it. So, I went ahead and got a new ref sheet from FsMaverick( http://www.furaffinity.net/user/fsmaverick/ ) to hopefully clarify things better!

Yes, belly and fluff is a slightly different color from the previous one. Pure white just didn't look right, and the slight blue tinted silver on the belly actually had been bothering me a bit recently in SL when I used my full size av. Once I tested this color I was able to put a finger on it - it made me look like my belly had frostbite or something! Either way, this is me now.