What is “just fine with me” may not be “fine with Me”. God has the final say about what is or is not “sin”. We need to pay attention to Him. You think?
Forgive me oh Lord for I know I have sinned
Do you share with God your failures, your sins, what you need from Him? More than I know “I am short of holy“. So I pray about it.
That sudden flash of realization saying “Oh damn!”
What a sudden surprise, when the dead one realizes Hell is next? What, in Hell, are we to do?


