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Salvation is a process, not a discreet event.
Philippians 2:12 "Wherefore my dearly beloved, as you have
always obeyed, not as in my presence only, but much more now in
my absence, with fear and trembling work out your salvation."
Salvation can be lost.
Matthew 5:13 "You are the salt of the earth. But if the salt
lose it's savor, wherewith shall it be salted? It is good for
nothing anymore but to be cast out, and to be trodden on by
men."
Luke 12:45-46 "But if that servant shall say in his heart: My
Lord is long a coming; and shall begin to strike the menservants
and maidservants, and to eat and to drink and be drunk: The Lord
of that servant will come in the day that he hopeth not, and at
the hour that he knoweth not, and shall separate him, and shall
appoint him his portion with unbelievers."
Salvation can be lost through apostasy.
Hebrews 6:4-6 "For it is impossible for those who were once
illuminated, have tasted also the heavenly gift, and were made
partakers of the Holy Ghost, have moreover tasted the good word of
God, and the powers of the world to come, and are fallen away: to be
renewed again to penance, crucifying again to themselves the Son
of God, and making him a mockery."
Salvation can be lost through mortal sin.
Hebrews 10:26-27 "For if we sin willfully after having the
knowledge of the truth, there is now left no sacrifice for sins,
but a certain dreadful expectation of judgement, and the rage of
a fire which shall consume the adversaries."