http://www.tomrichey.net Martin Luther began the Reformation with his 95 Theses, which laid the groundwork for his doctrines of Sola Scriptura, Sola Fide, and Sola Gratia. Luther's theology of justification through faith alone conflicted with Catholic teachings about salvation, which emphasize the role of the free human will cooperating with God and confirming a saving faith through good works.
