Biological pigment as the melanins. The third type is the xanthophores which contains yellow pigments in the forms of carotenoids. The various colors are made by the combination of the different layers of the chromatophores. These cells are usually located beneath the skin or scale the animals. There are two categories of colors generated by the cell – biochrome and schematochromes. Biochromes are colors chemically formed microscopic, natural pigments. Their chemical composition is created to take in some color of light and reflect the rest. In contrast, schematochromes (structural colors) are colors created by light reflections from a colorless surface and refractions
White (horse) as described below, can act to produce off-white phenotypes. Horses with strongly diluted coat colors usually have pale blue eyes, cream-colored coats, and rosy-pink skin. White markings are usually visible upon closer inspection. Although white horses are sometimes called "albino" there are no reported cases of a true "albino" horse. There are also references in literature calling white horses "albino". Dominant white in horses is caused by the absence of pigment cells (melanocytes), whereas albino animals have a normal distribution of melanocytes. In other animals, patches of unpigmented skin, hair, or eyes due to the lack of pigment cells (melanocytes)