I think that lack of melanizers causes the leakage, but the silver and gold determine the color of the leakage. I don't know why it's mostly a male trait, but I have had females with leakage, too, in a laced pattern on the chest like you describe.
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I understand it the same way. I think that gold in males, s+/s+, will allow gold leakage without proper melanizers, but silver S/S may leak silver or white. Heterozygous S/s+, when leaking, would be a yellower color. I believe that it's the lack of melanizers rather than the gold...