virus

My (almost) 9 month old golden has a cluster of warts under her armpit. Started with one small wart. Looks like broccoli. Could it be the Papilloma virus? Also I think the black on the wart is just dirt.

Not off to a good 2013. Noticed a bump on my pup's lip the other day...today I"m seeing a few tiny ones. She has a vet appt in a few days but I'm worried there's not much they can do about this (according to the internet). I'm giving her vitamin e and ester c to try to help boost her system...