The correct answer is option 4, Gandhiji. Cripps` proposals refer to the Cripps Mission of 1942, in which Sir Stafford Cripps, a British politician, visited India to offer constitutional reforms in exchange for Indian support in World War II. Gandhiji opposed these proposals and famously termed them as "a post dated cheque in a crashing bank." This metaphor implies that the promised reforms were meaningless because the colonial system was on the verge of collapse. Gandhiji believed that these proposals did not provide genuine self-government for India, and therefore rejected them. It is important to note that the other options listed, Ambedkar, Annie Besant, and Patel, were not the ones who specifically used this phrase to describe Cripps` proposals.