Financial skills are not just the purview of people in the finance and accounting departments. Every business manager needs to have a basic working knowledge of accounting and finance.
Human skin color is quite variable around the world. It ranges from a very dark brown among some Africans, Australian Aborigines, and Melanesians to a near yellowish pink among some Northern Europeans. There are no people who actually have true black, white, red, or yellow skin.
Melanin is the color pigment that is produced in the skin and hair and it gives them their color.