Ammonium or potassium dichromate dissolved in water sensitizes gelatin by 
depositing a hexavalent
chromium ion Cr(VI) next to the long irregularly shaped polypeptide chains 
of amino acids that constitute the gelatin. When this photosensitive gelatin 
is exposed to actinic radiation a light quantum is absorbed and either 
directly or indirectly reduces the Cr(VI) to a trivalent Cr(III) ion and 
chromic acid (H2CrO4) or chromium oxide (Cr2O3). The trivalent chromic ion 
Cr(III) is thought to form a cross-link bond between neighbouring gelatin 
molecules.  A small amount of water needs to be present for this reaction to 
occur. Heat accelerates it, even in the absence of light (hence the "dark 
reaction").
Unexposed Cr(VI) is later washed out during development and has no effect on 
the gelatin, but the remaining Cr(III) has a differential hardening effect 
directly related to the sensitized gelatine's exposure to UV light. This 
increases the rigidity of the gelatine, raises its melting point, makes it 
less liable to swell during development, and most important for the process 
of development, makes it less soluble.
Development is largely a physical process whereby unexposed and therefore 
soluble gelatin is washed away with warm water. The result is a variation in 
thickness. Residual chemical compounds such as chromic acid and unexposed 
Cr(VI) are removed.
Although there may not be a clear consensus on all the details, it seems the 
reaction is basically the same in all dichromated colloids - gelatine, gum, 
albumen, etc.
There is only one chemical reaction occuring - the brown print-out image 
Pete thinks is a separate image forming mechanism is probably a combination 
of green chromium oxide and residual unreacted orange dichromate. Hence the 
colours he's encountered on clearing.
A brown print-out is indeed the image forming mechanism in Mungo Ponton's 
original process, but most other dichromated colloid processes (excluding 
collotype, bromoil and dusting-on processes BUT including direct carbon 
processes) rely more heavily on differential hardening and the resulting 
differences in thicknesses in the final layer of dichromated colloid to form 
the final image. Direct carbon processes such as gum and Fresson differ from 
carbon transfer only because of physical factors.
If I understand their differences correctly Pete relies on "the stain or 
chrome oxidation layer" and a carefully regulated pigment to colloid ratio 
"to achieve a reasonable tonal range gum print in one exposure"; Terry 
prefers to clear all coloured residual chromium compounds leaving only 
pigments and to build up an image with multiple printing. Pete's approach is 
a little unusual but both Terry and Pete are both using exactly the same 
chemical reaction.
Hope that clears the water somewhat,
Philip Jackson