""If you take Jesus, God takes you"", is how i once heard Salvation explained, and ive yet to see it explained any clearer by people who write 50,000 word essays and include 3456 verses.
The other thing ive noticed, is that there seems to be some serious darkness and confusion around this site regarding WHO saved you.
And, if the debate gets away from James and Hebrews as it should and is turned instead to the simple question, "Who saved you", you can then get the context of the Cross involved in the final answer, which seems to be missing within all this long winded scriptural blathering about "water baptism" and "works", OR any other useless device that steals the Credit from the Sacrifice of Jesus and attempts to exchange it for personal accountability or religiosity or " your good works".