'If I paid the fine, I could walk away a free man now,' David said. (reference to the present)
David said ...... .

'If Daniel asked me for a loan, I could lend him some money without any problems,' Lucy said. (reference to present)
Lucy said ...... .

Laura boasted, 'I could stay up till 10.00 pm by the time I was four.' (reference to past)
Laura boasted ...... .

David said, 'I could go hiking on my own when I was just ten.' (reference to past)
David said ...... .

Martin's father said, 'My son could leave for Paris any day he wanted.' (reference to present)
Martin's father said ...... .

'They could sell the house right away,' Jerremy said. (reference to present)
Jerremy said ...... .

'Lucas could go out with his friend if he wanted to,' David said. (reference to present)
David said his son Lucas ...... .

My sister said, 'They could swim before they could go to school.' (reference to past)
My sister said ...... .

'We could play chess five with professional chess players when we were five,' Henry said. (reference to past)
Henry said that he and his sister ...... .

'I couldn't do what I wanted when I was young,' Greta said. (reference to past)
Greta said five with professional chess players