  It is argued that not only the blue (at the brightness maximum) but also the
red (in the slow decay phase) components of the optical continuum of powerful
flares on dMe stars are formed near the photosphere. The possible appearance of
HeI lines in the relaxation zones for the plasma to a state of thermal
equilibrium (as a result of a rise in electron temperature owing to elastic
collisions of electrons with atoms and ions) is noted (for sufficiently high
speeds of a non-stationary chromospheric shock wave propagating toward the
photosphere of the Sun and stars). A scheme is proposed for the positioning of
the "layers" of plasma responsible for the generation of radiation in the white
light continuum during the impulsive phase of powerful stellar flares.
