Okay, it's just a pre-printed/quilted panel. I just refuse to call it a cheater panel - LOL. I added the binding. It was a ufo cuz I bought it out of a bargain bin with every intention of making a baby quilt, so to me it qualifies as a ufo - it was waiting to get finished.
This one's going to the local crisis pregnancy center. Thin - just right for summer. Now to find UFO #8.