think of it this way, would you take your car in for service without getting a quote??? both of you should have set down BEFORE you started the quilt to discuss charges. it makes no difference if she bought all the fabric or not, you should have discussed the hourly charges before you started your work.....40 hours is about right but like others have said, no-one is going to pay $500 for a small quilt. you can give her the bill ($500 ) and see what her reaction is but if someone gave me that kind of surprise, I would tell them to keep it. good luck