Be that as it may, a recent commenter at Catholic and Enjoying It! wrote:
I remember very well the time when I, the recovering Calvinist, went deep into the night attempting to create a nice flow-chart of how salvation "worked" in the Catholic system. I wish I still had it. I remember getting frustrated at how messy it seemed. Kinda like life.
I think this fellow's mistake was to attempt a flowchart, where a state diagram is clearly called for: