embedded clause with quotative と

If he heard you'd gotten married, he'd be very surprised.

She said she had seen such-and-such people there.

She wondered where Sam was and what he was up to.

She didn't even have the basic courtesy to say sorry.

She says she's the kindest woman in the world.

She called him to say she couldn't make it to the meeting.

She explained that she couldn't attend the meeting.

She wished that cute dog were hers.

She insisted that she would go there.

I figured she was at most 30 years old.

She thought John had loved her at some point in the past.

She thought John had loved her.

I think she's the kindest woman in the world.

She said she'd never been there.

I'm sure she'll come.