My bay mare seems to be going gray. I know, I know- it happens eventually... but she's only 11. The gray is condensed on her forehead, and then evenly distributed around the rest of her body and in her mane and tail. It's still really subtle, you wouldn't notice it if you weren't up close.
She seems too young to me to be going gray of old age, and definitely too late to be showing gray genes... Is she just going prematurely gray, or is it a genetic thing I don't know about?