• Are you talking about separating phrases or items? If you are separating phrases, you always use the comma before "and." "Jane remembered that she had to drop off her dry cleaning before 3pm, and that she had to pick up her report from the printer at 4pm." If you are separating list items, the comma is optional, sometimes referred to as the "Oxford Comma." "Jane bought mangos, peaches and bananas at the store." or "Jane bought mangos, peaches, and bananas at the store." Both are correct. Evidently the latter was the standard usage at Oxford.

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