A friend is wanting me to make her mom a quilt i have not done one for money before. She said she would like it to a be a lap quilt or twin size. the fabric in the middle of quilt she wants a panel (like one i made for Christmas for my mom) and then go from there. do i need to take her to pick out the fabrics? she has not gave any other directions and i have never met her mom. she suggested 35.00 for me to make the quilt. would it be mean to tell her it will cost more than that If i have to purchase the fabrics?