I imagine what Dotty is talking about is making tops vs. quilting. Sometimes I've noticed we interchange the two terms as though they mean the same thing.
You all have been very busy. I have a few to post myself. But with moving DD to Cal Poly and all the whirlwind, I've not had the time to upload my camera.
And Dotty, though I can't answer for everyone, I've never sent a top out to be quilted and don't plan on it. I do all my quilting on my various machines. Longarmers do a great service, but if I had to rely on one to do my quilts, I would never be able to afford this hobby.