*WILL MAKE BRAINLIEST* 10 POINTS!

Which quotation has the correct punctuation and capitalization?

My mother, a wise woman in many ways, always said she "never understood the power of positive thinking."

Benjamin Franklin once said "a penny saved is a penny earned."

Paris, France, is known as "The city of lights."

As a philosopher who was wise for his young age once said "it has taken too long for change."