She stated, "You are a real dummy. "
And I'd change it to:
"You are a real dummy," she said.
The word stated is stilted. In most cases, said works fine.
Don't worry; attribution is often a problem for even experienced writers and editors. Where do you put the "he said"?
Then there's the problem with two many "saids." I was listening to a Robert B. Parker novel on CD, and we had nothing but he said, she said.
"I'm an idiot, Molly," Jesse said.
"I agree, Jesse," Molly said.
"So do I," Crow said.
Somehow, it should be possible to attribute the quotes without all of those saids.
But if writing were easy, we all could do it well.
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