It’s not our merit, so we can’t boast. The grace that we believe is infused to us is literally the life merited by Jesus Christ on the cross.
I will sum up my analysis by pointing out Ephesians 2:8-10.
**By name, no. The Mosaic Law is never employed. But when we get into a situation where we’re believing that our works combined with faith equals salvation for us, we are going back to the Law-based economy of earning our way. **
Although not from Romans or Galatians, this verse in Ephesians should again be taken in the context of the Law. The works of the Law do not save. Period. All of your posts seem to assume that Catholics believe they are saved by following the Law. I have yet to see a single Church document that ever said this.
I don’t disagree with anything you say here. And I’m glad you brush, too! I’m big on dental hygiene! 
There is nothing wrong with Paul talking about justification in the past tense. I believe justification takes place is out pasts, as Paul plainly teaches. For one, it occurs at baptism. But what is fallacious is assuming that since it takes place in the past, it cannot be taking place today or in the future as well. It is correct to say that I brushed my teeth on March 7th, 1998 at 8:55pm. I brushed them, past tense. But no one in their right mind would conclude from that statement that I haven’t ever brushed my teeth since then, and that I would never brush them again. (eww…)
“Much more then, having now been justified by His blood, we shall be saved from wrath through Him. For if when we were enemies we were reconciled to God through the death of His Son, much more, having been reconciled, we shall be saved by His life.” (Romans 5:9-10)
Here you have past, present, and future justification all in a single verse in Romans. I have a litany of examples like this should you request some more. Paul is saying that we shall be saved by His life because, as Catholics believe, the grace we receive through the Sacraments is literally His life, and it saves us.
**I think it gets down to this: are we declared, credited as righteous, or are we “made” righteous? Romans and Galatians, as my original OP point stated, seems to point to the former, not the latter. Works should stem from a lively faith. But are we justified by baptism and our faith or our works combined with it? Galatians and Romans do not indicate the second option. **
So in other words, if we have
real, saving faith, then works will automatically flow. But if works ever cease to flow, then we no longer have
real, saving faith. And it is this
real, saving faith alone that saves us. Is this a correct interpretation of your words? If it is, I don’t have much of a problem with it. It’s the entire concept that led Catholics and (some) Lutherans to agree.
I agree that intellectual assent alone is bogus. Satan, we are told, believes as much, knowing the truth about Christ. Faith is deeper than intellectual assent I believe.
Catholics define faith to be the simple intellectual assent that God does exist, and Jesus did die on the cross, etc. This mere intellectual assent alone does not save us, because it does not specify whether or not works are present. It is possible to have the intellectual assent that God exists and still do nothing about it. This is why we say we need faith + works (of love, not Law) to be justified.
The Reformation (not all denominations, just some) redefined faith into what I would call a “fully justifying faith”. This definition of faith is the intellectual assent (etc.) AND works must follow. If works aren’t following throughout your life, you don’t have this “fully justifying faith” (or in Reformation terms, simply “faith”). It is true that if this is your definition of faith, then you could properly say that faith
alone saves. But this is only because works are included in the definition of faith.
So the disagreement isn’t on doctrine, but on terms, which is fine as long as we take the time to define the terms.
I haven’t rested easy with Catholicism for about four years now. Between papal supremacy, infallibility, purgatory, indulgences, innovation, local pastoral incompetence, watered-down liturgy, NFP teachings, the sex predator scandals, liberation theology with illegal immigration, heavy emphasis on works, on and on, I have struggled mightily to be a Catholic. I have had my butt parked at my old Anglican parish for months now. I went to confession a couple of days ago because I plan to go to the Catholic church in the Philippines starting next week. As the X-Files horrific film title says: “I Want to Believe.” At this point sentimentality and emotion has kept me more Catholic than my intellect. My intellect pulls me in the other direction. In the past it was the other way around. God bless, Chris. Thanks for your kind, charitable, and thoughtful replies. You are not a judgmental, pedestal-sitting Catholic who accuses and labels people who disagree or struggle. I appreciate your approach. God bless.
Anyway, I was glad to clear up the whole thing about justification by works of the Law. The Catholics don’t teach this, so you can rest easy

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Chris