Erwin Lutzer had a good one on this mornings radio show (Running to Win). He was talking about grace, it was very uplifting. He mentioned that those who are forgiven most, appreciate it the most. He also had an interesting take that some people (goody-two-shoes) have a hard time accepting grace, or the idea that they would need it. As it turns out, nothing we have done warrants salvation. It is all what Jesus has done. All you have to do is say, “Yes please, thank you”. Dr. Lutzer suggests that it is not Jesus plus works, nor Jesus plus rituals.