[Jeff Gordon]

You all have made me curious about this subject. I did a web search. I found a site which claims to give the answer to this question. The summation says

Salvation is a matter of how we respond to the truth we are given in life. Only for those who have encountered the fullness of truth in Christ is a formal proclamation of belief in Christ necessary.

The web site is located at http://www.cc.columbia.edu/cu/augustine/a/salvation.html

[Proud2BAmerican]

That expression seems to encapsulate the belief pretty much spot-on. And the determination of whether the encounter of Christ is "full" or not, would, of course, from the outside be a subjective assessment, and no doubt entirely impossible for anyone, save God.