I agree....just return it and say you cannot work on it. Some people are "givers" (you) and some people are "takers" (her). After you return the top to her, loose her phone number! I had a similar experience with a "friend" who used my talents too much. When she aproached me for another project, I said yes, I'll do that...and then quoted her an outrageous sum. Weird, she accepted! And, she paid me!
good luck.