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Oh for crying out loud! That's a good one. But here is a terrifying thought (most thoughts of hell are that): God knew in advance that she would say "Yes". And God knows too the moment you are born which way you will go. Yes, He knows if you choose Him or not and whether you stay faithful and grace filled at the end of your life. This scares me beyond what is reasonable sometimes, but I do know that God knows my heart just like I do and then some, and will rescue me when I fall. I absolutely think that Protestants cannot comprehend themselves going to hell, so they get it all done and over with will one fell swoop---"I'm Saved", don't have to do or worry about another thing ever....

You're wrong about that. We don't just go on and not worry anymore. Working out your salvation, in my opinion, is that God is continually working things out of you that stand in the way of your relationship with Him. If you have a certain problem or attitude, He brings it to your mind and heart and He expects you to work on it with Him at the helm. He knows we need HIS help to improve our attitudes, etc. We can't do it alone and the Holy Spirit was given to us to assist us, comfort us, guide us. He loves us as we are but loves us too much to let us stay that way.