Nicky Fuller was not her son, or the man she planned to marry; he was a white boy she happened to have kissed. And even if he'd been someone for whom she cared, the rights and wrongs of the case were perfectly plain. Three days into it, they were in McDonald's when Kelly had a coughing fit. "I spat some milkshake on the floor," she recalls, "and he called me a dirty slag and a slut - and I weren't standing for that, and I said, 'Sorry mate, you're dumped,' and I walked out."As you would.

A couple of weeks later, Nicky (who hadn't given up hanging around) boasted to Kelly that he had "beaten up a Paki" Kelly thought he was only trying to impress her. It was not to be a relationship of any longevity, or much affection. She was pretty, blonde and vital; he was 17, tall, dark-haired and dark-eyed: she thought he was Italian, although in fact his father was part Afro-Caribbean. He travelled out to Romford on Tuesday nights from Bow, in London's East End, with a gang of youths who called themselves the Bow Massive. She came from Barking, in Essex, from the sprawling council estate that once served Ford and its satellite factories but now is as likely to serve the dole office.They swapped phone numbers; he started hanging around her house and, in late January, invited her out.

This is estuarine youth culture: sharp- featured, trying to look old, mean and sexy before its time. It was at Hollywood's night-club in December 1993 that Kelly Turner, then just turned 15, met Nicky Fuller. Every Tuesday night, children from south-west Essex and east London come here clubbing. They arrive in small groups, boys in trainers and back- to-front baseball caps, hands shoved moodily in pockets, girls teetering along in mini-skirts and high heels, their flesh-coloured tights exposing pale, plump legs Some look as young as 10, others as old as 20 Most are aged around 15. HOLLYWOOD'S night-club - "in the celebrated style of the silver screen" - is behind Romford station, next to the bus garage. It's a hangar of a place, built in the sports centre style of architecture, brick and moulded metal. You can tell it isn't a swimming pool by the pink and purple neon lights over the door and the Busby Berkeley steps up from the entrance to the dance floor. 80 per cent of lottery millionaires have chosen to remain anonymous.

The largest anonymous win was for a ticket worth pounds 17m.Some information from the Datamonitor report on High Net Worth Individuals, published Oct 1995. Camelot has a team of advisers comprising an ex-policeman and two psychologists to visit the homes of lottery millionaires soon after a big win The advisory team's identity is kept secret.9 21 per cent of millionaires are elderly10. In June 1994 merchant bank Robert Fleming gave some of its senior executives a bonus and pay package worth over pounds 1m as a result of record pre-tax profits.8. The interest on a million pounds can earn a married couple pounds 126 a day after tax.3. Recent millionaires include Liz Hurley who secured a pounds 1m annual contract with Estee Lauder, David Platt, the England football player who was transferred to Arsenal from Sampdoria for pounds 4.75m last July, and nursery nurse Esther Tracey who scooped pounds 1,373,571 on the lottery.4. Ways of winning a million, apart from doing the lottery, include filling in a pools coupon, the Premium Bonds (their first millionaire was created in April '94), or being admired by Robert Redford in a casino.5 Nearly 29 per cent of millionaires inherited their wealth.6. Lottery millionaire Lee Ryan, who won pounds 6.5m in March was described by a Camelot spokesman as "the most extravagant winner" having bought himself a Bentley, Ferrari, Porsche and Rolls-Royce as well as a helicopter.7.

Now we stand over the road and look at our own hotel and see what we've achieved and it's really satisfying."8 Additional research by Colette Harrismoney, money, money1. People who work for a living are more likely to become millionaires than anyone else if current trends continue. 21 per cent of the UK's current millionaires have earned their money through hard work.2. Ten years ago we paid three-quarters of a million for the Queen's, and now it's worth about pounds 3.5m-pounds 4m We did buy ourselves a mansion in Lytham in 1989 We've hardly used it - we spend all our time at the hotel. We used to walk up and down the prom, looking at hotels, picking out the places we'd like to manage best. Pat Mancini, who owns the Queen's Hotel in Blackpool, thoroughly enjoyed building up her million "It's been hard work, but I love what I do.