I'm sorry, but starchy got it right, sort of...

If you were being quoted outside of the context of the original source (this list), you might be able to argue that some portion of the omitted section of text was salient. If that were the case, the issue would be ignoring the necessary portion of the statement and would be a misquote. However, in this context, it is not possible to make that argument, so all we need to look at is usage. When indicating a quotation with a comma, as Starchy has done, the first letter of the quote is always capitalized unless the quotation is broken into more than one piece (e.g.: "You'd end up," you say, "with..."). In this case, the second part of the quote should not be capitalized, but the first should. If Starchy had chosen to use the word 'that' instead of a comma, you would be right (e.g.: You say that "you'd..."). Unfortunately, this would fall much closer to a misquote as it would blur the referent of the second person pronoun. A better usage would be as follows: You say that "[I'd] end up with...". Of course, in that example, the capitalization comes from the word 'I' rather than the nature of the quotation.

Heh...

Perhaps -> You say that "[someone would] end up with..."