I love to use panels. There are so many cute ones for babies and young children in addition to holiday types. You can just add borders-usually the manufacturer makes coordinating prints-and quilt them, or if you want to do something more involved, there are lots of ideas in Susan Teegarden Dissmore's books "Clever Quilts" and "Clever Quilts Encore". Also some of the manufacturers have free patterns available on their websites using specific panels. I've seen a lot of articles in quilt magazines recently with ideas for using panels.