Eddie...you deserve to be compensated for the value, fabric cost and amount of work you put into the quilt...DON'T sell yourself short. It sounds as if perhaps the friend/customer isn't aware of the value of your artwork. Give her a price and let her know because of the time and materials (yes materials...fabric, thread, batting, backing, quilting etc) cost. The price may seem more than what she is willing to pay but, if she really wants it as an addition to her home, seeing that she recognizes fantastic quality craftsmanship, then you will be glad to complete the project for her. And at that price it would be giving her a "special low rate" because it is such a large labor intensive and time consuming project. And you would only give her that low a rate because she is a friend.