Well, when you disappear for days at a time and don't answer questions people ask you, these things happen. . .
You are right, I'm sorry I often do get busy and have a difficult time getting the time to get back to pertinent questions. I've been training to do some volunteer work in my community so a couple days of the week have been taken up even more. But it does feel good to try to get out there and help.
Anyways, I recently read a book by R.C. Sproul that defined these two outlooks that helps me look at the doctrines in question.
In this book by R.C. Sproul “Justified By Faith Alone" he ends the book with these two summaries.
The Roman Catholics View
1. Baptism (w/penance) is the instrumental cause of justification.
2. Justification is by infusion.
3. Justification is analytical.
4. Justification is based on an inherent righteousness.
5. Justification is by faith plus works.
6. Justification is by grace and merit.
7. Justification is on the basis of Christ’s righteousness and my righteousness.
8. Justification can be undone by mortal sin.
9. Justification may be complete in purgatory.
10. Justification may be obtained by drawing from Treasury of Merit.
11. Justification is sacerdotal.
The Reformation View
1. Faith is the instrumental cause of justification.
2. Justification is by imputation.
3. Justification is synthetic.
4. Justification is based on an alien (Christ’s) righteousness.
5. Justification is by faith alone.
6. Justification is by grace alone.
7. Justification is on the basis of Christ’s righteousness alone.
8. There is no “mortal sin” for a person who is justified.
9. There is no purgatory or need for it.
10. The only merit is that of Christ alone.
11. Justification is non-sacerdotal.
The difference between the two “ gospels” is in grave danger of being lost in our day. Efforts to heal the breach between Rome and the Reformation have yielded confusion among many. The issue cannot be resolved by studied ambiguities or different meanings attached to the same words. The crucial issue of infusion verses imputation remains the irreconcilable issue. We are either justified by a righteousness that is in us or by a righteousness that is apart from us. There is no third way.
I myself take the view of the reformed church.