This is how this stuff looks to me now. Reference:
http://www.umich.edu/~mctp/SciPrgPgs/events/2010/MQSS10/Talks/Littlewood_Michigan_PBL.pdf Infrared photons cause the electrons in a dipole to tunnel across a dielectric barrier. A separation of charge is produced with holes on one side of the dielectric barrier and electrons on the other. Let us take an example…A crack with two faces or two nano-particles separated by a few nano-meters can separate charge through dipole vibration with electrons gathering on one side of the crack or nano-particle and electrons on the other face of the crack or the other nano-particle. The dipole vibrations sync up with the waves of the infrared photons. More electron tunneling happens than recombination of holes and electrons because the infrared photons greatly increase electron tunneling across the dielectric barrier. Charge separation happens very fast. The charge separation becomes very large because of the massive electron tunneling that is going on across the dielectric barrier; I guess that means high voltage develops across the dielectric gap. More infrared photons produce more tunneling and associated charge separation. But the dipoles are also made coherent by the infrared photons. This is how ionized atoms (holes) can form a BEC at very high temperatures. Extreme charge separation of the dipoles separated by a large dielectric gap causes screening of the coulomb barrier in the holes (atoms mostly stripped of their electrons by intense tunneling across the dielectric barrier).