Just a thought - but do you get your quilts appraised? Might be some useful information in case this same type issue comes up again. Surely it will, as you do beautiful work. I would be curious in learning how much an appraiser would set for the lap size leaf applique that you did. (Which would give you an idea of the value set for a queen size version.) With professional written appraisals for your quilts, plus the information regarding what it cost you to buy everything to make each one, plus what you normally charge to LAQ you would have a valuable tool to use in the future. Not only that, but you will also be able to show your client why the quilt you are doing for her/him should be appraised and insured.