Right!

The idea of already being forgiven =/= an invitation to do whatever. Paul writes about this.

We are called to live accordingly ("live up to it" (we could never)).

The Last Judgment/Day of the Lord *is not when it is determined whether* you are saved, but *it is when* you will be saved.
Here is where people will hesitate to agree.
Usually they resort to their specific denomination's understanding.

Friends, I have to get off for now and make dinner