Thank you all for your great advice. I really knew what I had to do, but I do hate giving people bad news so I needed that extra push. I gathered my courage and called her an hour ago. She's already stopped by to pick up the quilt and fix the borders. She seemed, while not happy at the extra work she has to do, grateful that I called rather than returning something she would not be happy with. So, I sent her off with the quilt top and a few tips for fitting borders.