Frank Cottrell Boyce is a screenwriter whose films include "Welcome to Sarajevo, "Hilary and Jackie and "24 Hour Party People. "Millions is his first book. He is not a millionaire and has no plans to rob a bank. However, during a short-lived career as an assistant at a puppet show, he earned a fortune entirely in small change. He believes this is how he first became interested in the problems created by user-unfriendly cash. Mr. Boyce lives in Liverpool, England, with his wife and family of seven children.