Hi, everybody. I've been doing some mental world-building recently, and would appreciate some help researching/reality-checking a couple ideas.

First, assuming a planet with Earth's approximate size and land-to-water ratio, how would having two smaller moons rather than one Luna-sized moon affect tides and calendars (or anything else you can think of)?

Second, what biological barriers are there to having a species identical to humans, except that some have naturally bi-colored hair? I've heard that animals such as zebras that have stripes and suchlike actually have skin colors that reflect the patterns, is this true? Or relevant?

Again, any thoughts on either of these would be appreciated. Thanks