Friends, they say that fools rush in where angels fear to tread. Well, today I’m going to rush in to some stormy waters by looking at the central issue of the Protestant Reformation: this issue of faith and works, or faith and the law. Martin Luther famously said that what he discovered in Paul is that we are justified or saved by faith alone. But why does the same Paul, in our second reading, say that "one who loves another has fulfilled the law"? The witness of the New Testament is richly complex on this question, and the Catholic position honors that richness and complexity.