It's difficult to say no sometimes, isn't it? I don't know how much time has transpired, or if you have already agreed to making the quilt, but initially I would have negotiated the price of materials and shipping with her, and I would have suggested longarm quilters to her with the understanding that it would be up to her to negotiate that once she recieved the quilt top. I don't believe I would have incurred this expense for someone I rarely speak to, not to mention the value of your time. She probably has no clue as to the expense or effort involved in making a quilt.