The other day when I dropped a quilt off at the quilter she was just finishing up one she had been working on for quite some time. She said she had about 40 hrs. in it. There was a lot of detail and she does beautiful work. I am sure it was more than $125 but probably not $10 an hr. ($400) either. In my opinion they earn their money. If she supplied the batting and thread you got a good deal. I just paid my quilter $140 to do a quilt that was smaller than a queen and I supplied the batting. I thought I got a good deal.