Yes, pretty much. There are probably quite a number of exceptions, for example denominations that believe in predestination (although I don't know much about th

Yes, pretty much. There are probably quite a number of exceptions, for example denominations that believe in predestination (although I don't know much about that). I guess my point was that the way I see it, if someone is truly repentant, they're not cheating. On the other hand, if you live your life in an 'evil' way with the idea that you can just speak the magic words on your deathbed, it wouldn't be truly repentant. (I have no doubt that there are also groups that believe it's all about the magic words, but I suspect those are pretty rare.)