这是怎么回事啊。

1.In 1922, when Truman was almost forty years old, he was living in his mother-in-law’s house, watching the haberdashery store he opened three years earlier go bankrupt, and he faced a future with no visible prospects.

(A) opened three years earlier go bankrupt, and he faced

(B) opened three years earlier go bankrupt and faced

(C) had opened three years earlier go bankrupt, and he was facing

(D) had opened three years earlier go bankrupt, and facing（D）

(E) was opening three years earlier going bankrupt, and facing

答案选D，但问题是D中and前有逗号啊.and前有逗号是要接句子的啊。

or:AND前有没有逗号无关紧要？是不是意味着I like apple, pear, and banana.

                                                              与 i like apple, pear and banana.

                                                                都是对的了？