When a photon (light) or two make love (what else do you call it?) to a silver halide cyrstal in the film it absorbs the photons' energy and causes an electron on the halide crystal to escape out into the emulsion. If the electron runs into a positive trap, it becomes, well, trapped. If a free silver ion is near the trapped electron it may absorb the electron and be reduced to silver metal. If enough silver atoms are reduced (some think 4 is the minimum) as a "clump," then a latent image is formed. Actual visible image does not form until chemical development. So, the whole love affair takes light (photons). If exposed film is kept in absolute darkness, then I suspect that any degradation in the latent image is due to the general aging of the materials in the emulsion and should be no more than non-exposed materials. The warnings on the high speed film might be hand-wringing about the effects of beta and/or gamma rays from space, but isn't really an issue with normal speed film. The main reason to develop film ASAP is to make sure you aren't making any mistakes in exposure, etc. and/or your camera equipment isn't failing.
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