How do you punctuate numbers in a sentence?

There are certain rules to punctuating numbers in a sentence. If the sentence contains just one large number, like 546, then there is no punctuation required. If there is a series of numbers, then each one is separated by a comma like this...14,17, and 23. The last number in a series is always separated from the series with an article such as "and" or "or". If the number is less than ten, it is written out and never the Arabic numeral. The insertion of an Arabic numeral in a written sentence is jarring and is not done because of the flow of the writing.