No problem Neesie! Guess the problem is really whether to take the rules literally or not. Similar to what you said....if you make something from your stash, is that a "freebie" ...or...if you make something but have to buy the fabric, interfacing, batting, zipper, etc.,is that your $20.00? I can see where two different people, both in good conscience, would see it both ways. That's why I said life balances out in the end.