faith alone and no works. faith is dead without good works. charity is bad but charity right is good. charity right is altruism times three and plus good will times two and plus eagerness times three and plus love adulterous or dangerous love or clean love. Plus do it quickly so least amount people see. Plus charity is contagious if you make a habit out of it. Plus, charity must have a return internally but not self-reward but self-growth. Plus charity is hard so there is room to make mistakes. just like love is hard.