“What must I do to be saved” (Acts 16:30)? It all comes down to this. In the end, this is the primary question upon which Lutherans and Catholics are (perceived to be?) in disagreement. In this final “question-and-answer” section of the dialogue between Michael (Lutheran) and Benjamin (Catholic), we address various concerns that arise over salvation. To get caught up, read Michael’s opening statement, along with parts II, III. As always, we hope that others