TOP OF THE LINE Making a splash

Here's a shopping list of what's hot in the fine-jewelry world:
Right-hand rings: Either treat yourself to a new diamond ring or recycle heirloom pieces.
Chandelier earrings: The bigger and flashier, the better.
Coral: From pink to orange.
Three-stone diamond jewelry: Representing the past, present and future, three-stone jewelry is a fave rave on the hands and necks of the youthquake to convey commitment and love.
Charms and pendants: Britney Spears, Madonna and Demi Moore all wear delicate charms -- from initials to the zodiac.
White gold and platinum bridal jewelry: It's still the dominant look, but yellow gold is making a strong showing as estate pieces get fashion's spotlight.
Conversion pieces: Versatility is the name of the game with necklaces that convert to bracelets, lariats or even belts; pendants become brooches; line earrings that become hoops and reversible rings or rings with floating stones.
Sterling silver necklaces: Popular looks include necklaces with ball chains, medallions with black cords and "floater" necklaces with nearly invisible cords featuring spaced pearls that appear to float on the wearer's neck.