I love the quilt.  But I was not happy when I opened it and saw the Manufacturer's Suggested Retail Price on the insert which said $99.99.  I paid $123.99.  I also bought 2 shams and paid $42.99 for each of them. The Manufacturer's suggested price for these was $29.99. That's a big difference! I always thought the suggested retail price was the highest anyone would pay for an item. Apparently I was wrong. This is a quality item - I just wish I didn't feel duped with the pricing.