Now I think everyone on this forum knows that all who are saved are saved by the merits of Christ, not their own merit. That's cast in stone. We don't have to fret over it. Why, therefore, do you harp on people, saying things like "belief is a work, therefore you think you saved yourself!", in light of the fact we all know Christ is the Saviour, not us, and He's still the Saviour whether our understanding is pure or muddied, and every last person who is saved credits Christ with his or her salvation, not themselves?