For Billy t--The short form

Above white/American Albino horse Below grey horse

Above creme horse Below American white/Albino horse
Below both mare and foal are grey horses
Creams have a body color ranging from almost white to a dark cream, with a white mane and tail. Horses may have white face and leg markings. Due to the action of the champagne gene, most horses are born with brown hooves, pink skin, and blue eyes. The blue eyes eventually become hazel, amber or occasionally green at adulthood.
The American White will reproduce 50% white when bred to colored stock. It will sometimes have a colored foal, however, when bred to a white mate. The Whites do not dilute color as do the Cremes with exception being when a White has a Creme ancestor and thus carries a creme gene. High rates of white have been obtained when sire and dam both trace from long lineage of white ancestors. The American Creme must also have pink skin which in some cases may take on a deeper tan color which we refer to as "pumpkin". However, its coat color may vary from a pale ivory (so close to white some people mistake it for white) to a deeper rich cream. Mane and tail may vary from true white through varying shades of cream to a rich cinnamon-buff. Eyes of the American Creme are usually a pale color, i.e. pale blue or pale amber, and rarely dark, although brown eyes are possible. The American Creme will reproduce its color 100% when bred to a Creme.

"No Billy they are never as white as polar bears, that is an optical illusion. A large, majority of lion cubs have historically been born near white or in varying shades of for hundreds of years. Always note the use of the words, close to, almost, nearly, kinda, in describing white with the champagne dilute.