I don't believe that the bible is rocket science. With this said, this is what I believe....... Jesus died for the sins of God's elect. No more, no less. He prayed for His people (no more, no less). The "age of accountability" is NOT in MY Bible. If Jesus died for all, yet all don't accept, then Jesus failed. If Jesus PRAYED for all and all did not listen, then Jesus failed. If people never hear the word, this does not mean they are bound for hell. I will never change my beliefs, no matter what! I am a whole-hearted believer in predestination and will never change my mind, but I thought I would share my mind. In Christ, Amen!!!