I agree with everyone here and I have never charged for a quilt, in fact even when I have been asked to make one and have received some of the fabric, I usually end up paying for wadding, backing etc., as I don't like to ask for the money. However, I am going to start laying down some ground rules and one is that I will not do panels, or pictures. I find these so limiting and unrewarding, especially when it comes to hand quilting. It becomes a reall chore.