yes, and it goes one step further. As you say, there is first what the text is actually saying, then comes the meaning and finally the application to our lives.On all three levels it is Jesus that reveals them to our revived spirits.Well those are two problems. One is to be “uneducated”, but there are also maturity levels, even newborns.The other is to think you know it all.That is always a problem. But to be “uneducated” (newborn) can be addressed with time, in the Word, with teachers and experiences in the Lord etc. I don’t think anyone says all the bible is simple. However, enough of it is, but only for this one reason, it is primarily a heart matter, something we all have, and is not subject to IQ or education. AND we have a perfect heart teacher, Christ himself, as Augustine attests. As far as the more complex biblical issues, it is a heart matter again, and the level of desire to know such things that we allow God to give us.Seek hard as for Gold and He is a rewarder. . Agreed but be careful for I think there is only one church that claims infalibility.“Personal interpretation” can mean two things. One is that the interpretation is arrived at by "oneself’. The other is that indeed is an interpretation, and indeed it is personal, but given of God.It is personal just like it is for every one else. God is the only correct interpreter of scripture, and He is willing to share with any desiring soul. Hence John in his epistle says we know all things, we have an unction from the Holy one, and he wasn’t speaking to elders or leaders, but to every “christian” brother and sister. Of course on who holds to the proper view of “personal interpretation” will not force his view but respects the freedom of the other and his ability to "get it’ personally also. Like I am convinced of the Lord so you take it to Him and see if He won’t convince you also. That is dignity that hits right in the heart… No one is against elders, presbyters, teachers, prophets, the “Body” and a need to properly “study”. Thanks again