Once again..... I was over thinking everything. Your flimsy size is 98 length by 110 width. You stated that the panel is going the length of the quilt which means it will be subtracted from the width.
A 106 inch wide x 3 yards will be wide enough for the 110 inch width of the quilt by the time you take out for the 12 inch panel you are inserting. And the 3 yard (108") length will cover the 98 inch length with 5 inches left for both the top & bottom.
Last edited by Barb in Louisiana; 04-11-2023 at 11:44 AM.