"I would love to make a quilt for you. I charge $25.00 an hour, you pay for the fabric, thread, quilting. Oh, she (the LAQ) charges by the square foot so the bigger the quilt and the more intricate the design the more money it cost. For a king sized bed you are looking at around $400-800.00". When do you want me to start it?
This should do it. If not, and they want you to make it, half the money up front, sign a contract, get 'er done, you just earned some bucks.
If you do the LAQ, they don't need to know that.