I don't know what has been holding me back, why it took me so long.  I suppose it was fear.  The fear of screwing it up.  The fear of cutting up that beautiful fabric and just not getting it right.  Well, to make a long story short, I got inspired this past weekend and just did it.  I have started my first quilt top!  I had this charm pack sitting around so I didn't have to cut the squares but I will have to cut some strips to frame the 4-square blocks.  Oh, and I had to order another charm pack.  So far it's going well and I am pleased with the results.  Tell me again why I waited so long to do this?