Tom,

My understanding of what some believe and there are several variations of it, but generally, believe that man is saved to eternity upon the simple ascent of faith. That it is a one-time event in ones life. This has led to the erronous teaching of OSAS. Faith in and of itself does not save, it justifies the believer to God. It also leads to the idea that the good works is the result of faith or product of faith.