Liked your observations and conclusions, except for two things: 1. Martin Luther is an okay illustration for reforming a religion, but let me simply say, " he had his own faults" in need of more reformation. 2. Balance needed, because Jesus also demanded, "Unless your righteousness exceed the Law..." and "I have not come to destroy the Law..." with examples like "If you look at a woman lustily..." and " if you hate your neighbor, you've already murdered him..."