First I want to thank jdiane381 as she held my hand answering numerous questions on how to do this topper. And to mommamac for her explainations too. In addition, there were several pictures and tuts to aid in this project..........thanks to all..............calla This is my first......and yes, jdiane318 I too used the cutter........Yes, I still have to do a backing and binding .........I am so excited.........what a tool...............