I totally agree with what Sierra said: "A gift is a gift." Do what is in your heart, not expecting reciprocation. I think her comment about not having a quilt was only to say that not everyone has a quilt -- for instance, she doesn't have one. I don't think she was asking for the quilt. But regardless, give the quilt if you WANT her to have it, not if she's "worth" it or if she can return the favor. And no, you won't have to "top" that one next year. I also agreee with the person who said that a "fat tip" would probably be appreciated next year. Merry Christmas.