You know, I really don't know: it always looks strange and wrong to me. I can live with American fondness for the "Oxford comma" (enumerating "one, two, and three"), but that has some justification in terms of clarity (if the final item has an "and" in itself, like "ready salted, paprika, cheese and onion" crisps/chips). So "just because" seems most likely :-)
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I used to always put the full-stop (period) inside the quotes because I was brought up using that rule, but in modern writing it's considered more a matter of stylistic choice, because yes, sometimes it just looks, well, "wrong."