I was thinking she will tell everyone about the great job you did and only charges for the materials. This can actually hurt other quilters that will hear but so and so had her quilt made by so and so and it didn't cost that much. Be sure and let her know the actual cost you would have charged for anyone but her. When I do say yes to making a quilt for someone I make it clear that I'll do it for you for this amount but everyone else pays this amount. I don't make quilts for a living and it keeps the request away to make me one too!