Because when the sun hits the fur of the polar bear, the white fur almost transparent therefore amplifying the heat of the sun's rays and eventually making the skin black. Or.. sine the polar has white fur, and the bear needs to stay warm, its' skin is black to absorb the heat of the sun.
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Black panthers are not a species; they are 'normal' panthers who just have been born with a differently-colored coat; a bit like the opposite of albino.
Most do very well with this coat. A lot of black panthers are found in tropical forests where black is an excellent camouflage color if you want to lurk in the shade to catch a prey. Zoos like to breed black panthers because their public usually thinks they are exiting to look at.
"Black" bears have fur that can range in colour between light brown and almost black brown. This is an adaptation to the environment in which they live.
Bears are black, white, black and white, brown and red. It helps them blend into their environment.