The quilting gets done in
the hoop, so any fabric of your choice can be used.
The Topper can be attached to the towel:
with the "in hoop" stitching lines provided, or
you can use the second feature whereby the Topper
attaches to a separate buttonhole strip which is
attached to the towel. This is so if your towel gets soiled quickly, you
only have to remove the towel, and not wash the Topper each time.
Everything is done in the hoop, except for the sewing on of the buttons.