I will agree that the quilt is beautiful and worth every nickle you asked. So... I will give you some advise (maybe bad). Tell her she has 3 options
1. pay the $126 immediately
2. stall payment and pay interest until she does. (1.5% /mo)
3. you will give her back a quilt with a $126 rotary cut discount.
I'm sure I would not take it like a farmer and agree to someone else's price especially with a written contract in hand.