I understand your reasoning for the answer in #3; I think that the use of the past perfect indicates that I no longer hear about her, now that I've met her. However, if I'm still hearing about her, I think the present perfect [I've heard], or even the present continuous perfect [I've been hearing] would be correct.
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JCDenton Hi Philip,
That sentence(#3) is a typical example of sequence of tenses. The speaker is referring here to an event which happened before, in the past (he finally met that girl). And in addition, he'd been hearing about her before they met each other. In the other words, that event happened before they finally met. That's the reason why past perfect is th