[chowells]

Because the other comment didn't spell it out: effect is correct there. Effect as a verb means something like "to cause to happen". Don't pretend effect/affect is just a noun/verb split. Both words have meanings as both verbs and nouns. It's best to just learn both meanings of each instead of following some rule that's wrong a fair amount of time.

[tyre]

Mary Norris, copy editor at the New Yorker, has a wonderful short video on this: http://www.newyorker.com/culture/culture-desk/comma-queen-af...

[monktastic1]

I don't care if Jesus, director of grammar in heaven said this....

Just kidding.