I am currently working on a gouache painting including a polar bear and while doing so I started to do a didgital sketch as well while using more refs. This practice gave me some nice insight about the colors and values.
My gouache version was way to "white" even in the light parts.
What surprised me a little is how much yellow/ochre colors can be found in a polar bear.
The amount of blue is rather low, I expected more blueish teints in the shadows but it rarey turned blue, just a very greyish yellow in most parts.
In case you wonder, I played around with the bear's proportions a bit.