Lowe's at Sam Cooper and Perkins! It was early Saturday morning and they were bored...
You don't have to cut the center out, although they probably would, but it would be more difficult for them. They don't cut by laser, but by something like our rotary cutter.
To do the "fun and done" thing, I measured in 1" all the around on the WRONG side of my backing fabric and marked with a pencil. That's where I place the batting and top square. Still works the same :-o