John, I'm not sure I do believe in regeneration, I was describing the process from the point of view of a Calvinist.

The "means" to salvation seem every bit as important as the moment of regeneration itself. Otherwise, God could just regenerate people irrespective of hearing the gospel.

So you seem to be saying that any decision which is good is determined by God.

Looking back on your own life, can you safely say that such and such a decision was wholly your own, and had no goodness to it?

For example, a Calvinist might say, "I got into an extra-marital affair, but through it I was able to meet a counselor who shared the gospel with me. So all thinks work together for good."

Where and how do you draw the line between actions which are good and actions which are bad when we discuss the "free" decisions of people?