[Cal]

As for faith = salvation + works, you are confusing cause and effect.

Salvation and works are the result of true faith. Just like being in the pool and being wet are the result of jumping in the pool. But you wouldn't conclude that being wet got you in the pool.

I realize the math analogy is a little confusing because the commutative principle does not apply. It should be read "real faith results in salvation and works." It just means if you have real faith your behavior will change. It doesn't mean if you have faith on your death bed you have to jump up and do a good work before you are saved.