since the quilt looks to be longer than it is wide, why not just lay it across the bottom half of the bed and leave it alone?? I don't think adding a ruffle to the 3 sides will look ''right''.....I just don't think of quilts as having ruffles but maybe that is just me! Laying it across the bottom half of the bed will give the owner the drape she is looking for and will be a different look in the room....more modern maybe!! Turn the sheets down and let the pillows show...I think it will look very nice and modern