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Is there still a color bonus for tack?
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When giving your horse coloured tack, you will see a message in the tack box that you reached the colour bonus, as soon as you have placed matching saddle deck, ear bonnet and polo wraps on the horse.
It does not always have to be the exact same colour; for example a red and green saddle deck, red or white and red ear bonnet and green (or red) wraps will give you the bonus.