@estradling75, I like your post, but...I believe a safer answer would be as follows: We don't really know for sure how it works after death. We know that those who haven't had the opportunity to accept the gospel will be given that opportunity through work for the dead. We know that their reward will not be diminished by their inability to have the gospel given to them in life. Beyond that, we know that the prophets have preached, and continue to preach, that we should not put off our