I believe God created man knowing good and well that Adam would choose to sin, thus plunging all of mankind into spiritual and physical death. I also believe that God knew that once mankind knew the difference between good and evil there would be some who would choose good,....
How do you reconcile that belief with Romans 3:10-12 "
as it is written, 'There is none righteous, not even one; (11)There is none who understands. There is none who seeks for God; (12)All have turned aside, together they have become useless; There is none who does good, there is not even one.'"?
God then choose to have mercy on those who by belief in His Word (that is Christ or in the OT the promise of Christ) made the feeble attempt even though there is no way mere man can bridge gap. Does this mean we merited that mercy? By no means.
The point is, in your belief system, God responds to what man does in deciding who to have mercy on. There is no getting around that. If God is responding to what some men/women do in election (by definition, those who didn't "do" what was necessary for God to respond favorably are passed by), then you have a system of merit.
In the reformed system, as I understand it, men/women respond to God's intervention with repentance and faith in Jesus Christ. God's reasoning for His choice remains a mystery other than it is the kind intention of His will.
Belief does not equal merit, nor does it equal a work on our part as it is not the action of belief on OUR part that bridges the gap, but the action of God before we ever believed that accomplished the work.
Your system makes belief a "merit" because you have God responding to "belief" in deciding who to have compassion and mercy on.
If God responds to something men do in granting salvation, then those men/women have merited their salvation and those who didn't "do" what is needed are passed over by God because they didn't do what they needed to do to merit God's intervention.
In the reformed system, belief is a response to God's intervention; faith, itself, is a gift of God. The reason for intervention and passing over remain part of the hidden will of God, which is what scripture says.
So, in your system... God responds to man
In the reformed system... Man responds to God
peace to you

raying: