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The Oxford Comma
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For more on marking an answer as the "Best Answer", please visit our FAQ.So you'd normally write: The fruit bowl contained an apple, a pear and a banana. (no comma after pear) - which is correct.
But compare: The guests included a duke and his wife, a teacher and his sons, and an actor and his girlfriend. (that comma after sons is an Oxford comma!!). See how easier it makes the sentence to understand.
I didn't know it was called an 'Oxford comma' but I use commas in lists exactly as Quizmonkey describes. I explained this recently (not on AB) using a similar list.
The sandwiches offered by the snack bar included cheese and tomato, ham and cheese, and tuna and sweetcorn.
The main purpose of punctuation is to clarify meaning and the 'Oxford comma' certainly does that.
Excellent article on the serial comma here. With regard to comprehensibility, there are arguments for and against it. For complex lists I can see the benefits, but for simple lists it gets up my nose.
I like the following example from the Wikipedia article, which actually creates the ambiguity the serial comma is supposed to prevent:
"They went to Oregon with Betty, a cow, and a piano."