I think you must be right about that, QSis - I've been doing some googling on cat patterns/color and I'm learning that cats with three colors (calico tabbies) are almost exclusively female.
And Terry - Jerry is a true lover of little kitties. His big, gentle hands completely enfold this little baby and she feels so safe. And of course, so do I. And very lucky.
Thanks, everyone, for your encouragement and kudos.
Debs, I can't give you any more karma right now, but I would if I could!...two idiots raising a cat with a confusing gender identity problem...