A single line of speech

                     "Hello, Lucy."

1.  It is always capitalized.

2.  Use a period to end the speech off.

Speech to an action

                      "Hello, Zoe," said Lucy, smiling.

1. Capitalize the beginning.

2. Use a comma once the speech finishes.

3. Do not capitalize the beginning of the action as it is a follow on from the speech.

4. Finish off the action by using a period.

Action to speech

                         Lucy smiled as Zoe replied, "hello Lucy."

1. When the action is finished, use a comma at the end to introduce the speech.

2. Capitalize speech if using a period to finish off action. Don't if you use a comma.

3. Once speech is over, use a period to end it.

Speech to action to speech

"Hello Lucy," she gave her a small smile. " The weather is pretty nice today." 

"Hello Lucy," she gave her a small smile, " the weather is pretty nice today."

1. Introduce first set of speech by capitalizing it.

2. Finish the first set of speech using a comma.

3. Don't capitalize the follow on action.

4. Introduce the second set of speech using a comma.

5. If you use a period to finish off the action, start the second speech off with capitalization.

5.5 If you use a comma to finish off an action, start the second speech off  without capitalization.

6. Finish off the second set of speech with a period.

Speech to action with a question / exclamation mark.

                                 "How are you, Lucy?" she said, while sitting next to her.

1.  Do not capitalize first action if using a q/e mark.