Direct and Indirect Speech
"And you believe all this ?" asked Sriram, in surprise.

Sriram asked me in disbelief if I was believing all this.
Surprised, Sriram asked me whether I believed all that.
Sriram asked me in surprise if I believed all this.
Sriram was amazed that I believed all that.

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Direct and Indirect Speech
She said, "I am sorry, I am not able to submit those papers".

She said that she was sorry and she will not be able to submit those papers.
She exclaimed with sorrow that she was sorry and she will not be able to submit those papers.
She said she was sorry, she is not able to submit those papers.
She apologized for not being able to submit those papers.

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