Here is a tutorial from Jenny Doan of the Missiouri Star Quilt Co. showing us how to make an attic windows quilt with a panel. This method makes it easier than the traditional method. It should be noted that it isn’t necessary to use a panel. You could use any feature fabric you wanted. You could fussy cut fabrics from a theme, or just about anything you want. A pretty hand dyed fabric in sunset colors would make it look like a sunset outside the “window”. :-)
If you do use a panel, please check to see where any faces might fall in the quilt. I saw one of these where the face of a deer was all cut into sections and it looked rather odd. If the faces are going to be segmented, you may want to find a different panel, or adjust your block size to accommodate that.