Someone's Wonderful Grandmother

I ordered a used theology book over the Internet and I received it in good condition except someone had noted on the dedication page: "To Kim and Tony please read page 82 that is so plain to me and explain so well I love you Nana XXXXX"

So here is page 82 (I'll share the title of the Book later)
Likewise, the idea that man must attain salvation by works or merit - that he must do something in addition to the work of Jesus on the cross in order to be saved, i.e. repent, be baptized, hold out faithful to the end, say the rosary, do penance, etc., adds a variable to the equation of salvation making the outcome uncertain. Salvation by human works puts a question mark where God has put a period. Scripture, however is clear concerning the certainty of salvation (2 Sam. 23:5; 2 Tim. 2:19; Jno. 6:37), a fact that can only be explained if salvation is all of grace and none of works.

The team cooperating in salvation, then, is the monergistic team of Father, Son and Spirit, not the synergistic team of God and man. God the Father began the work in the everlasting covenant. God the son executed the work at the cross of Calvary. God the Holy Spirit applies the work during each individuals natural life. From start to finish, salvation is of the Lord.