Choose the correctly punctuated sentence:

1. She loves apples oranges and bananas
2. She loves apples, oranges and bananas
3. She loves apples, oranges, and bananas
4. She loves apples oranges, and bananas

The Oxford comma (serial comma) before “and” in lists is grammatically correct in American English, preventing ambiguity. This follows Chicago Manual of Style guidelines. While British English often omits it (option b), the Oxford comma clarifies list separation, especially in complex series. Example: “We invited the strippers, JFK, and Stalin” vs. “We invited the strippers, JFK and Stalin” shows how meaning changes without it.