Eph 2:8 For it is by grace you have been saved, through faith—and this not from yourselves, it is the gift of God— 9 not by works, so that no-one can boast.
Ro 10:9 That if you confess with your mouth, "Jesus is Lord," and believe in your heart that God raised him from the dead, you will be saved.
I don't know about Luther or the Catholics, but the word of God is pretty clear to me. These 2 verses say all. It doesn't take a theologian to figure them out. James was written to those already saved. They have salvation and he was telling them how to live it.
If it was clear, it would mean the same thing to all Christians and Christian sects, but it doesn't, so it's not clear.
You didn't use logic or reason to get into this opinion, I cannot use logic or reason to get you out of it.
You cannot over estimate the unimportance of nearly everything. John Maxwell
