In the following questions, a sentence has been given in Direct/Indirect Speech. Out of the four alternatives suggested, select the one which best expresses the same sentence in Indirect/Direct form.
"Oh! how foolish I have been in money matters!"

• He confessed regretfully that he had been very foolish in money matters.

• He confessed to himself that he is being very foolish in money matters.

• He exclaimed regretfully that he was very foolish in money matters.

• He exclaimed regretfully that he was very foolish in money matters.