The last one. The only scenario where you wouldn't put a comma in the first quote is if it's a completed remark that uses particular punctuation such as a quotation or exclamation mark, but never a period. Hope this helped.
Answer: i don't know if this can help.
They contend that gold's only benefit is the fact that it is a material that is used in jewelry. On the other end of the spectrum are those that assert gold is an asset with various intrinsic qualities that make it unique and necessary for investors to hold in their portfolios.
Explanation:
Hauki because its open minded
