There are too many variations.
If you would be interested in a simple study of what the bible says about salvation let me know. I have one I can send anytime. It's 4 parts and would take about 2 hours to read through. It's very interesting. You know, I think:) if you clicked on to this thread you must be a little interested. Freepmail me if you want this study, you wouldn't be sorry.
Becky
Have fun.