"When you were still a baby, your mother took out a life insurance policy which named me the beneficiary." Vanessa frowned in confusion at the direction the story was taking. "When she died I … couldn't stop thinking about how she'd lost her life. To me that money was not something that I wanted possession of. So what I did was I put it in the bank … for you."

Vanessa's mouth parted in confusion. Was her grandmother telling her that she had a trust as well as the money ...