Standard inserts have one fold.
Since this creates two panels inside and two outside, we call them 4 panels. Some clients are able to output their own negatives, some need us to output the negatives. Some clients can design the art on the computer and some ask us to do the designing. If the files are in Quark for Macintosh, we can probably be more helpful to you getting the negatives ready. Due to new IRMA and RIAA pressures, there are now forms required to indicate that all material on a CD project has been properly licensed.