You have got to be kidding at your nephew's "offer" for a 95-5% split in his favor. Let him make a quilt all by his lonesome and see how fair the split seems to be to him. Now, put out the word to your friends, go to thrift shops, talk to your religious group if you are involved in such to let them know that you need fabric. Also, go back and read up on other BM's ways of getting fabric. You can do it! Don't stop now, please. You will have a life-long hobby if you pursue it. Let us know how it goes.