I apologize for asking you that question but I wanted to know where you were coming from. I like Yediyd feel it is both. We have the privilege of salvation through the atonement of Christ. However our acts, our faith, our service to others, our willingness to obey the Commandments of our Heavenly Father will bring us salvation. I feel that people are sent to Hell because of sin. Sin is Transgression of the Law( Ten Commandments) 1 john 3:4. How can we keep his commandments if everyone of us has broken them all? We have all lied, stolen, commited adultry, and the Bible says that all liars with have their part in the lake of fire and no thief or adulterer will ever enter the kingdom of heaven. If he were to judge you on just those three commandments, would you be innocent or guilty?