As Mr. M says, it's a matter of style. American style, for better for for worse (and most would agree it is often for the worse) is to ALWAYS place the period/full stop inside the quote marks.
I am the one who had never heard of an ergative verb before I came to this site, but I'm also the one who edits business writing all the time. If you want me to find all the citations in the AP Style Book, the Chicago Manual of Styles, etc., I will, but really, truly... American English puts the quote on the outside.
The word you are now thinking is "ridiculous."